Claims Adjuster Practice Exam 2025 - Free Claims Adjuster Practice Questions and Study Guide

A claims adjuster might require an on-site inspection primarily to assess damage and verify claims information. This step is crucial when evaluating the legitimacy and extent of the damages reported by the policyholder. An on-site inspection allows the adjuster to observe the damage firsthand, document the conditions, and gather evidence that supports or refutes the claim.

During this inspection, the adjuster can ask questions and discuss the incident with the claimant, which helps in understanding the context of the claim better. This thorough evaluation is essential for providing a fair and informed assessment of the claim, ensuring that the insurance company can make an accurate decision based on the evidence collected during the inspection.

Other scenarios, like policy renewal evaluations, disputes over policy terms, or when selling a policy to a new customer, do not require on-site inspections as they focus more on reviewing documents, policy conditions, or terms rather than assessing physical damages.