Which of the following can an adjuster use to estimate damages?

An adjuster can utilize photographs, invoices, and estimates from contractors to accurately estimate damages. These elements provide concrete evidence and quantifiable information that can significantly aid in determining the extent of the damages and the associated costs for repairs or replacements.

Photographs serve as visual documentation that captures the damage, illustrating its severity and specific characteristics. Invoices present actual costs related to repairs or replacements, offering a financial basis for the damage assessment. Estimates from contractors provide professional assessments of what repairs might cost, which reflects industry standards and can guide adjusters in making informed decisions regarding claims.

While witness statements, insurance policies, and inspection reports can provide additional context and background, the combination of photographs, invoices, and contractor estimates is the most direct method for understanding the financial implications of the damage, making this the best choice for estimating damages.