Rhode Island Insurance Adjuster Exam

What action must an insured take regarding their claim in order for the insurer to determine liability?

1. File a complaint

2. Submit a proof of loss

3. Wait for an investigator

4. Request a settlement

The correct answer is: Submit a proof of loss

To allow the insurer to assess liability effectively, the insured must submit a proof of loss. This document is critical as it officially details the specifics of the claim, including what was lost or damaged, the value of the loss, and any other relevant information. By providing this information, the insured enables the insurer to analyze the circumstances surrounding the claim, evaluate the evidence presented, and ultimately determine whether they are liable for the loss. While there are various actions an insured might consider taking, a proof of loss is a formal requirement in many insurance policies, serving as an essential step in the claims process. It provides the foundation upon which the insurer can build their understanding of the situation and assess their contractual obligations under the insurance policy. The other options, such as filing a complaint, waiting for an investigator, or requesting a settlement, do not fulfill the necessary requirement for action that allows for a clear determination of liability.