What is a claims adjuster’s file?

A claims adjuster’s file is fundamentally a comprehensive record that includes all documents and information pertinent to a specific insurance claim. This file serves as a critical artifact during the adjustment process, capturing essential details such as initial claim reports, evidence submitted by the policyholder, correspondence between the adjuster and involved parties, and notes documenting the adjuster’s findings and decisions. The accurate maintenance of this file is vital as it supports the adjuster's evaluations, helps in making informed decisions about claim settlements, serves as a reference in the event of disputes, and ensures compliance with legal and regulatory standards.

Understanding that the claims adjuster's file is focused on an individual claim is key, distinguishing it from other documents like annual summaries of claims or lists of insurance providers, which do not directly pertain to the specifics of any single claim.