It is a simple fact of claim adjusting that even experienced, knowledgeable professionals will encounter claims for which they need the assistance of a forensic expert to reach a settlement. Whether the issues are causation, coverage, or cost, some claims are too complex, specialized, or unusual for an adjuster to tackle on his own. Wise ones know when it's best to involve an expert.
But as is true in the beginning of every relationship, engaging a forensic expert is best done with eyes wide open — on both sides. Choosing an expert for the right reasons, with clear expectations, good communication, and a full understanding of the costs involved, is critical to developing a fair and timely outcome for all concerns.
Let's explore the essential relationship between the claim professional and forensic expert and establish fundamental rules for adjusters in assigning work and managing costs within the claim process. Of course, practices and instructions vary among claim organizations and clients, and these are intended to be general guidelines for adjusters to consider.
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