What does an Initial (Preliminary) Report provide during the claim handling process?

A Preliminary Report, often referred to as an Initial Report, serves as the first comprehensive document that an adjuster submits to the insurer regarding a claim. This report is crucial because it outlines the initial findings and observations made by the adjuster immediately after investigating the claim. It typically includes key details such as the basic facts of the incident, initial observations about coverage, damages, and the potential liability aspects.

While it might touch upon various elements of the claim, such as the parties involved and the nature of the claim, its primary function is to provide an early, high-level summary for the insurer. Following this report, further detailed analysis and ongoing updates are expected as the claim progresses, but the Initial Report is specifically focused on establishing the groundwork for the claim process and keeping the insurer informed from the outset.