Explaining Why Insurers Require the Adjuster to Write a Captioned Report
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Insurers are large organizations with varying levels of authority for the payment of claims.
\\n\\nThe adjuster is the representative at the loss scene. He or she must report, in writing, to superiors with the authority to pay the indemnity required unless the claim falls within the authority provided to the adjuster who will only then write a short closing report. Writing a clear, concise, understandable and comprehensive report is an essential part of the adjuster\\u2019s job. The captioned report should be written immediately after the adjuster\\u2019s first meeting with the insured on every file, no matter how small. The length and detail of the report should only be limited by the extent of the loss. The captioned report is written to explain to the adjuster\\u2019s supervisor all the adjuster knows about the loss so that decisions required of them by the insurer and the law can be made. Adapted from my book, The Compact Book on Adjusting Property Claims, \\xa9 2021 \\u2013 Barry Zalma Barry Zalma, Esq., CFE, now limits his practice to service as an insurance consultant specializing in insurance coverage, insurance claims handling, insurance bad faith and insurance fraud almost equally for insurers and policyholders.
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