This post continues the article begun here on Presidents' Day, Monday, February 18, 2013.
In any case, the insurance company's adjuster fulfills the adjustment responsibilities of the insurance company, in whole or in part, by first determining coverage; second, by ascertaining the cause of loss, and third, identifying the policyholder's likely damages as a result of the loss. An adjuster for the insurance company may perform or contract with other persons to perform other tasks, but those are the main tasks ordinarily required of insurance companies that issue property insurance policies. In performing one or more of these tasks, the adjuster for the insurance company may hire contractors to stem the damage at or to inspect the site of the claimed loss, and issue reservations of rights or disclaimer letters to the policyholder. See, e.g., Superior Aluminum Alloys, LLC v. U.S. Fire Ins. Co., 2007 WL 1850841 *2 (N.D. Ind. June 25, 2007) (“After Superior submitted the loss to U.S. Fire, it assigned the claim to its adjuster and hired a senior analyst to evaluate Superior's damages.”), app. dismissed per online docket (7th Cir. 2007); Allstate Ins. Co. v. Hunter, 242 S.W.3d 137, 139 (Tex. Ct. App. Fort Worth 2007).
See generally Dennis J. Wall, § 2:2, "Overview of the Participants in the Claims Handling Process" in John K. DiMugno, Steven Plitt, and Dennis J. Wall, CATClaims: Insurance Coverage for Natural and Man-Made Disasters"(West, November, 2012 ed.)
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