• I need to understand the most common ways that commercial insurance adjusters spend their time, the activities they do, and which activities are most hazardous.

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• I need to understand the most common ways that commercial insurance adjusters spend their time, the activities they do, and which activities are most hazardous.

Hello! Thanks for asking to provide you with information on the most common ways that commercial insurance adjusters spend their time, the activities they do, and which activities are most hazardous. The sources I found most helpful in answering your questions are Insurance Thought Leadership and eNotes.

In short, a claim adjuster's time is scheduled around claimants', and they usually request for evening appointments. Since losses and, therefore, the work of claims adjusters are usually unpredictable, claims adjusters regularly work outdoors, in a wide range of environments. The core activities of a claim adjuster includes:
1. Interviewing claimants and witnesses;
2. Consulting police and hospital records, where appropriate;
3. Determining the extent of company's liability by inspecting property damage
4. Working to gather intelligence, and to attain expert opinion and point of view, by consulting with appropriate professionals.

The most hazardous activities of commercial commercial insurance claim adjusters are going to places where they are prone to physical attack, or having to climb heights (in which case fatal falls may occur); another major danger that adjusters face is possibility of an electrical hazard, and then animals, as explained in details by Insurance Thought Leadership.

RESEARCH FINDINGS
The University of Northern Iowa released a report on claims adjusting, defining it as "the process of determining coverage, legal liability, and settling a claim." Claim adjusting is a way for insurers to fulfill their promises to their policyholders. Claim adjusters' job performance is judged based on their efficiency and speed.

1. EFFICIENCY
How efficiently they settle claims, i.e. how little of the insurance company's money is used in settling claims, without the involvement of supervisors or the insurance company lawyer, and
2. SPEED
The speed of claim settlement is concerned with how quickly a claim adjuster settles claims. For instance, a quick estimate of automobile spare-parts costs or need for a rental car would demand quick response from the claims adjuster.

On average, a claim adjusters' desk receives between 50 to 100 claims monthly. Settling a claim is known as "clearing" or "closing" a claim file. These 50 to 100 claims have to be cleared or closed by adjusters in order to stay even.

Here's Bankrate's breakdown of a typical claims adjuster's day:
⚫ Claims adjuster, on a daily basis, gets assigned a list of claims via a 24-hour hotline.
⚫ For hazardous activities involving property claims the priority tool would be a digital camera, a tablet or smartphone for taking photos. For this work, the claims adjuster would take a measuring tape along, and to detect if walls have standing water behind them, or water under floors, the adjuster would take a moisture meter along. To manage a catastrophe, a claims adjuster would take protective gears along, plus a ladder for situations where climbing roofs become necessary. Since it's not always practical to hold an expensive tablet on the job, claim adjusters would rather have notepads instead, for taking notes.

MOST HAZARDOUS ACTIVITIES OF CLAIM ADJUSTERS
According to Insurance Thought Leadership, the most hazardous activities of commercial insurance claim adjusters are going to places where they are prone to physical attack, or having to climb heights (in which case fatal falls may occur); another major danger that adjusters face is possibility of an electrical hazard, and then animals.

ACTIVITIES OF COMMERCIAL INSURANCE ADJUSTERS
Man-made or natural disasters or catastrophes like earthquakes or terrorist attacks may be demanding on a claims adjuster, requiring him or her to be in the field for extended periods of time, evaluating claims and preparing reports. Since losses and, therefore, the work of claims adjusters are usually unpredictable, claims adjusters regularly work outdoors, in a wide range of environments. For instance, claims adjusters must be willing to visit collapsed building, automobile accident sites, and other disaster sites.

Claim adjusters' time is scheduled around claimants', and they usually request for evening appointments. The major activities a claim adjuster does are:
1. Interviewing claimants and witnesses;
2. Consulting police and hospital records, where appropriate;
3. Determining the extent of company's liability by inspecting property damage
4. Working to gather intelligence, and to attain expert opinion and point of view, by consulting with appropriate professionals.

CONCLUSION
In summary, a claim adjuster's time is scheduled around claimants', and they usually request for evening appointments. Since losses and, therefore, the work of claims adjusters are usually unpredictable, claims adjusters regularly work outdoors, in a wide range of environments. The core activities of a claim adjuster includes:
1. Interviewing claimants and witnesses;
2. Consulting police and hospital records, where appropriate;
3. Determining the extent of company's liability by inspecting property damage
4. Working to gather intelligence, and to attain expert opinion and point of view, by consulting with appropriate professionals.

The most hazardous activities of insurance claim adjusters are going to places where they are prone to physical attack, or having to climb heights (in which case fatal falls may occur); another major danger that adjusters face is possibility of an electrical hazard, and then animals, as explained in details by Insurance Thought Leadership.

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