What must be intact for a claims investigation to be considered reasonable?

For a claims investigation to be considered reasonable, it is essential that documentation of all facts is intact. This documentation serves as a comprehensive record of the claim, including notes, reports, photographs, and any relevant communications. It allows for an objective evaluation of the circumstances surrounding the claim and helps ensure that decisions are based on factual information rather than subjective interpretations.

Thorough documentation is crucial for establishing the validity of claims and for guiding the insurance company in its assessment of coverage, liability, and damage amounts. By having a complete paper trail, the insurer can provide a clear audit of the claim, which can be invaluable in case of disputes or appeals.

While accurate testimony from witnesses, a place where the incident occurred, and supportive evidence from other claims can all play important roles in a claims investigation, they may not be sufficient on their own without thorough documentation. Proper documentation encompasses all aspects of the incident, providing a solid foundation for a fair and reasonable investigation.