Independent Claims Adjusting Services in Jacksonville, Florida

-Assignment Received
The claim is formally submitted to our adjusting firm. The assignment typically includes claimant or insured contact information, date of loss, incident details, required tasks, policy information when applicable, and any special instructions or carrier guidelines. The assignment is logged and the file officially opens.

-Initial Acknowledgment within 24 hours
We notify the examiner that the claim has been received, confirm the assigned adjuster, and provide a clear timeline for first contact.

-First Contact within 24 to 48 hours
The adjuster contacts all relevant parties including the insured, claimant, witnesses, attorneys when applicable, and law enforcement or agencies if needed. The goal is to introduce themselves, confirm claim facts, schedule inspections or interviews, and clarify any missing information. Prompt and professional contact sets expectations and helps prevent policyholder complaints.

-Insurance Claim Investigation Phase
This is the core of the adjuster’s work. Depending on the claim, the investigation may include interviews and recorded or written statements, witness and third party interviews, vehicle and property inspections, and scene inspections such as slip and fall, liability, trucking, cargo, or fire losses. When appropriate, drone or 3D capture is used for property or catastrophe claims.

Evidence and documentation may include photographs and video, police reports, medical reports, repair estimates, diagrams, measurements, receipts, invoices, proof of ownership, and weather reports for storm related losses.

While independent adjusters do not make coverage decisions, they gather the facts needed to support them, including policy conditions, exclusions, limits, and deductibles.

Throughout the investigation, the examiner is kept informed through status reports, emails, and calls for urgent findings.

-Reporting from preliminary to final
High quality adjusting firms provide multiple structured reports.

The preliminary report is sent early and includes contacts made, inspection dates, initial findings, and any immediate concerns.

Status reports are sent during longer investigations and outline progress, outstanding items, any delays, and next steps.

The final report is delivered once the investigation is complete and includes a clear chronological summary, findings of fact, photos, evidence, diagrams, statements, damage estimates when applicable, and the adjuster’s conclusions and recommendations based on carrier guidelines.

Churchill Claims adds multiple layers of review including supervisor review, technical review, professional proofreading, and final sign off to ensure reports are complete and frustration free.

–File Closure
After the final report is submitted, the adjuster confirms the examiner has all required data, completes CMS updates, ensures follow ups are closed, and formally closes the file. Some claims may be reopened years later due to litigation or new evidence, and we remain available if that occurs.

-Reopenings when needed
Claims may reopen due to legal disputes, supplemental damages, new evidence, or re inspections requested by carriers. When this happens, the adjuster continues the investigation as instructed.