What is the first step a claims adjuster takes upon receiving a claim?

The first step a claims adjuster takes upon receiving a claim is to review the claim file. This step is crucial because it allows the adjuster to gather essential information regarding the claim, including the details of the incident, the types of coverage involved, and any previous related claims.

By reviewing the claim file, the adjuster can understand the context of the claim and identify specific areas that may require further investigation or clarification. This process also helps the adjuster to formulate a plan for managing the claim effectively, ensuring that they approach subsequent steps—such as conducting interviews, visiting the site of the incident, or notifying the insured—with the necessary background knowledge.

In summary, a thorough initial review of the claim file sets the foundation for the claims process and ensures that all steps taken afterward are informed and targeted.