What does the term Claim Handling refer to?

Claim handling refers to the process of managing insurance claims from the time they are reported until they are resolved. This encompasses a variety of activities, including investigation, assessment of damages, determining coverage, and negotiating settlements. Public adjusters play a critical role in this process, representing policyholders and ensuring that claims are handled fairly and efficiently.

The focus on managing insurance claims means that claim handling is not about denying claims, which represents a more restrictive approach rather than a comprehensive management of the claims process. Additionally, it does not pertain to calculating insurance premiums, as that task involves risk assessment and underwriting, distinct from claims processes. Lastly, while filing a complaint against an insurance company is a separate consumer protection action, it falls outside the scope of what claim handling entails. Therefore, understanding claim handling as a thorough management process is essential for effective public adjusting.