What type of evidence should an adjuster seek to collect during an on-site inspection?

The most appropriate type of evidence an adjuster should seek during an on-site inspection is physical evidence supporting the claim. This includes tangible items or conditions that can directly verify the extent of damage, the cause of loss, and any relevant circumstances surrounding the incident. Physical evidence, such as damaged property, debris, or other artifacts, can provide immediate insights and context that are critical to the claims process.

Collecting physical evidence not only reinforces the adjuster's findings but also supports the documentation that will be submitted in the claims process, ensuring that it is both comprehensive and accurate. This evidence can be invaluable when it comes to substantiating the claim and facilitating fair repairs or compensation.

While photographs and videos can be useful, they do not replace the importance of actual physical evidence on-site. Documentation from witnesses can supplement a claim, but relying solely on such testimony may not capture the full picture. Each of these other types of evidence has its place, but none are as foundational as physical evidence when it comes to verifying the specifics of an insurance claim.