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Many decades ago, beginning adjusters often heard the phrase, “it’s a jury question,” meaning that the facts were not clear enough to decide if the insured was responsible for what happened or the claimant was at fault. What this really meant was that there was not yet enough information to make a correct decision and it was necessary to “go dig some more,” with documentation, photos, diagrams, statements, data and details. Why? Because it is too expensive to litigate every claim.

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