In the context of insurance, which term describes the act of determining blame after a loss?

The correct answer is liability assessment, which specifically refers to the process of evaluating who is at fault or responsible for a loss or damage in the context of an insurance claim. This process is crucial for insurance adjusters as it informs the decision-making regarding payouts and obligations under the policy. In liability assessment, factors such as the circumstances surrounding the incident, applicable laws, and evidence are examined to assign responsibility accurately.

Coverage determination, while related to understanding what is covered under a policy, does not directly involve assessing blame or culpability. Policy evaluation focuses on analyzing the terms and conditions within an insurance policy, and claim resolution refers to the entire process of processing and finalizing a claim, which includes but is not limited to determining liability. Therefore, liability assessment is the most precise term to describe the act of attributing blame after a loss occurs.