North Carolina Adjuster Practice Exam

The last step in the claims process after an investigation has been completed is making a decision on the claim and communicating it to the insured. This step is crucial because it represents the culmination of the entire claims process, where all the gathered information, evidence, and findings from the investigation are analyzed to arrive at a conclusion regarding the claim's validity.

After thoroughly evaluating the facts and circumstances of the claim, the adjuster must determine whether the claim should be accepted or denied. This decision is then formally communicated to the insured, ensuring they are informed of the outcome and any next steps. This step is key not only for transparency but also for establishing trust and maintaining good relationships between the insurer and the insured.

In this context, while documenting the investigation findings is important for record-keeping and future reference, it is part of the process leading up to the final decision rather than the final step itself. Similarly, filing reports with authorities or reviewing previous similar claims may be part of the investigation or preparation stages, but they do not constitute the final resolution of the claim. The pivotal moment of concluding the process is indeed when the adjuster makes a decision and communicates it to the insured.