Which document should an adjuster refer to for guidelines on the claims process?

An adjuster should refer to the company's claims manual or standard operating procedures because these documents provide detailed guidance on how to effectively manage claims, including the procedures to follow, documentation requirements, and best practices specific to that company. The claims manual outlines the step-by-step workflow for claims processing, ensuring that adjusters adhere to company policies and legal compliance throughout the claims investigation and resolution.

While an underwriter's personal notes may contain valuable insights, they are not standardized or likely to reflect company policy as clearly as the claims manual. The industry regulations book is important for understanding broader legal requirements and standards, but it does not replace the specific procedures outlined by the adjuster’s own company. Referring directly to a client’s insurance policy would not provide the procedural context necessary for managing the claims process effectively; rather, it would only cover the specifics of coverage and exclusions for that particular client.