To avoid unfair treatment to a claimant, an adjuster must not deny the claim until what condition is met?

The correct response emphasizes the obligation of an adjuster to complete a fair and prompt investigation before denying a claim. This requirement is foundational to ensuring that claimants are treated equitably and that decisions regarding their claims are made based on all relevant facts and evidence.

A fair and prompt investigation means that the adjuster must take the time necessary to thoroughly assess all aspects of the claim. This includes gathering information, evaluating the circumstances surrounding the incident, and considering any evidence provided by the claimant. By adhering to this principle, the adjuster helps to uphold the integrity of the claims process and minimizes the risk of wrongful denial. Ensuring that all pertinent details are reviewed prevents hasty decisions that could lead to unjust outcomes for the claimant.

In contrast, while promptly investigating the claim, paying the claim within a specified timeframe, and following laws regarding the investigation period are also important aspects of an adjuster's responsibilities, they do not directly address the critical need for a comprehensive and unbiased evaluation before making a denial decision. Completing a fair investigation is the key step that underpins all other processes in handling a claim.