Which of the following is a basic claim activity of an adjuster?

• A. Defining claims
• B. Negotiating claims
• C. Evaluating claims
• D. All of the above

Answer: (D)

Understanding how an adjuster handles a claim from start to finish, these activities cover the essential parts of the job. Defining the claim involves clarifying what happened, identifying applicable policy terms, coverage, limits, and exclusions, and establishing the scope of losses. Evaluating the claim means reviewing evidence, determining liability, and calculating the amount payable under the policy. Negotiating the claim involves communicating with the insured, claimants, or represented parties to reach a fair settlement that complies with policy terms and limits. Because defining, evaluating, and negotiating are all integral steps in processing a claim, all of the listed activities are basic claim activities. All of these work together to move a claim toward a fair resolution.