How can an adjuster assist in preventing future claims?

An adjuster plays a crucial role in helping policyholders manage risks effectively, which can ultimately lead to a decrease in future claims. Providing risk management advice tailored to a policyholder's claims history is a proactive way to address potential vulnerabilities. By analyzing past claims, an adjuster can identify patterns or areas where the policyholder may need to improve safety measures or risk management practices. This guidance can include recommendations for better maintenance of property, installation of safety devices, or changes in operational practices that reduce the likelihood of incidents that could result in claims.

This approach benefits both the insurer, by reducing the overall claim frequency and severity, and the policyholder, by lowering the risk of experiencing losses. When policyholders are informed and equipped to manage their risks effectively, they become more resilient and proactive, which leads to fewer claims and a more stable insurance environment.

Conversely, reducing coverage limits, discouraging claim filing, or unjustly increasing premiums do not address the underlying risk factors that contribute to claims and may lead to dissatisfaction among policyholders.