Who is responsible for investigating a claim?

The claims adjuster is responsible for investigating a claim because their primary role is to assess and evaluate the validity of the claim filed by the policyholder. This entails gathering evidence, interviewing witnesses, and reviewing policy coverage to determine the extent of the insurance company's liability. The adjuster's investigative work is essential in ensuring that claims are handled fairly and accurately, facilitating a proper resolution based on the findings.

The claims process involves diligent analysis and fact-finding that the adjuster is specifically trained for, making their involvement critical to the overall claim management process. Their expertise in navigating the details of a claim ensures that all relevant information is considered before a decision is made regarding payment or denial.