What should an adjuster do if they suspect fraud while handling a claim?

When an adjuster suspects fraud while handling a claim, the appropriate action is to raise the suspicion with their supervisor and follow the company's procedures for investigation. This approach is crucial because handling potential fraud is a sensitive matter that requires expertise and adherence to legal and regulatory standards.

By informing a supervisor, the adjuster ensures that the suspicion is addressed at a higher level where experienced personnel can evaluate the situation appropriately. Company procedures are designed to guide the investigation process, ensuring that it is conducted thoroughly and ethically, protecting the rights of all parties involved and adhering to the necessary legal frameworks.

Other options, such as ignoring the suspicion, notifying the policyholder immediately, or conducting an independent investigation, could lead to a range of complications, including potential violations of company policy, legal issues, or damage to the investigative process. Maintaining proper protocol through supervision and established procedures not only safeguards the integrity of the investigation but also upholds the adjuster's professional responsibilities.