A Video Explaining Why Insurers Require the Adjuster to Write a Captioned Report

Read the full article at https://www.linkedin.com/pulse/property-claims-investigation-barry-zalma-esq-cfe and see the full video at https://rumble.com/c/c-262921 and at https://youtu.be/aQ3H-1bzPJU and at https://zalma.com/blog plus more than 3850 posts. 

Insurers are large organizations with varying levels of authority for the payment of claims. The 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’s job.

The captioned report should be written immediately after the adjuster’s 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’s supervisor all the adjuster knows about the loss so that decisions required of them by the insurer and the law can be made.

ZALMA OPINION

Writing a captioned report is essential to the wise and thorough evaluation of a claim and management of the claims process.

Adapted from my book, The Compact Book on Adjusting Property Claims, Third Edition Available on amazon.com.