What is the first action an adjuster should take on each claim?

Verifying coverage is the first action an adjuster should take on each claim because it establishes whether the policyholder is eligible for benefits under the terms of their insurance policy. Without this critical step, the adjuster would risk proceeding with investigations or evaluations related to the claim that may not be covered, wasting time and resources. It’s essential for the adjuster to understand the specific provisions of the policy, including limits, exclusions, and endorsements, before moving on to other actions like contacting witnesses or investigating parties involved. By confirming that coverage is in place, the adjuster can ensure that any further actions taken are aligned with the entitlement under the policy, providing a clear pathway for resolving the claim appropriately.