According to the Pew Research Center, 96% of Americans own cellphones and 81% own smartphones. (Photo: Bloomberg)
Consider the following hypothetical: An insured submits a claim for a fire under a homeowner's policy. The fire department extinguished the fire relatively quickly and there was little damage. The insured submits a claim for the loss and, as the investigation develops, the claim triggers certain indicators that require additional information and further investigation.
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