When a significant homeowner property loss occurs, the adjusteris keenly aware of the insureds' desire to return to their homequickly after the reconstruction. It is also in the best interestof the carrier for the claim to move along in an expeditious mannerin order to provide high levels of customer service and controlcosts such as additional living expenses.

Losses involving large commercial properties are often verycomplex, and the adjuster must be well versed in a variety ofperils including building fires, explosions, collapses, waterdamage, mold, and equipment and machinery malfunction. Often,commercial properties involve tenant issues and exposures inaddition to the insured's real property loss. Again, the adjusteris trained to handle the claim in a professional and expeditiousmanner to satisfy the policyholder and minimize the claim forbusiness interruption.

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