An adjuster is required to notify a claimant when a claim is denied. The notification must be?

• A. Written
• B. Verbal
• C. Electronic
• D. Phone

Answer: (A)

Written notification is required because it creates a formal, verifiable record of the insurer’s denial, and clearly communicates the exact reasons and the policy provisions involved. This written document gives the claimant something to review, preserves rights to appeal or pursue related remedies, and helps ensure compliance with regulatory requirements that denials be communicated in a documented form within the required timeframe. Verbal or phone notifications can be forgotten or misinterpreted, which is why they aren’t sufficient on their own as the formal denial. If a claim is denied, follow up with a written denial that states the reasons, cites the applicable policy terms, and explains the claimant’s rights and next steps.