What is the purpose of conducting an "on-site inspection" of a claim?

Conducting an on-site inspection of a claim is primarily aimed at visually assessing the damage and gathering evidence related to the incident. This direct evaluation allows the adjuster to observe firsthand the extent of the damage, which is crucial for forming an accurate understanding of the situation. By visiting the location, the adjuster can collect photographic evidence, take detailed notes, and evaluate the context surrounding the loss, all of which are essential for determining the legitimacy and value of the claim.

While interviewing the claimant and estimating repair costs are important components of the claims process, they typically occur during or after the on-site inspection. Assessing insurance policy limits is also a crucial step, but it is more of an administrative task that does not require an on-site visit. The primary focus of an on-site inspection is to gather tangible, visual evidence that will support the claim evaluation process. This thorough approach helps ensure that claims are handled fairly and accurately.