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Judgment & ambiguity · When to act

You're a claims adjuster on a large water-damage loss. The cause-of-loss investigation is ongoing, coverage is genuinely uncertain, and the insured is pushing for an advance so they can start remediation before mold sets in. When do you release money, and how much?

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I'd act now on mitigation, because mold is a clock and secondary damage grows the loss for whoever ends up paying — including us if coverage holds.

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