During which phase of a claim does the adjuster gather facts and evaluate damages?

The investigation phase is crucial in the claims process as it is dedicated to gathering facts and evaluating damages. During this stage, the adjuster reviews the details surrounding the claim, which may include interviewing the claimant, assessing property damage, and consulting relevant documentation. This comprehensive evaluation enables the adjuster to accurately determine the extent of the loss and establish the validity of the claim.

Focusing on this phase ensures that all aspects of the claim are considered before moving forward, allowing for a well-informed assessment that guides subsequent actions taken in the negotiation and resolution phases. By thoroughly addressing the facts and damages during this critical period, adjusters can work effectively to secure fair outcomes for all parties involved.