Question

Refer to the case study in question #20. Immediately upon receipt of the claim you called Mary. After securing a brief explanation surrounding the loss, you told her that you would have a field adjuster come by to inspect the damage within 48 hours. Mary asked you if it would be all right if someone were to remove the tree limb that's piercing the roof so she can cover the hole. How would you respond?

(A) Ask her to please wait until the adjuster gets there, as he needs to see the condition of the property as it is immediately after the storm.


(B) Her policy will cover any reasonable expense she incurs to protect further damage to her property, and that she will be fully reimbursed as part of the appraisal.

(C) Tell her she can certainly do so, but that any expense she incurs cannot be reimbursed unless the adjuster approves the extent of repairs and amount of expense beforehand.

(D) Tell her that any repair work must be done by a licensed contractor in order to be reimbursable.

Answer 1

A suitable response would be option (C): Tell her she can certainly remove the tree limb, but any expense she incurs may not be reimbursed without the adjuster's approval.

Step-by-step explanation:

If Mary asks if she can remove the tree limb that is piercing the roof, a suitable response would be option (C): Tell her she can certainly do so, but that any expense she incurs cannot be reimbursed unless the adjuster approves the extent of repairs and amount of expense beforehand. This is because the adjuster needs to assess the condition of the property as it is immediately after the storm, and any expenses incurred without their approval may not be reimbursed.