Florida Insurance Claims Adjuster License Practice Exam

How must an adjuster notify a claimant when a claim is denied?

1. Verbally

2. In writing

3. Via text message

4. Through the insurer

The correct answer is: In writing

An adjuster must notify a claimant in writing when a claim is denied to ensure there is a clear record of the denial and the reason for it. Verbal notification can easily be misinterpreted or forgotten. Text message notification may not provide enough detail or be easily accessible for the claimant to reference in the future. Contacting the insurer may also not be sufficient as the adjuster is responsible for communicating directly with the claimant. Therefore, the most effective and formal method of notification is through a written notice.