kahjuhindaja

A kahjuhindaja, or loss adjuster, is a professional who investigates insurance claims to determine the extent of the insuring company's liability. When a policyholder files a claim, the kahjuhindaja is assigned to assess the damage or loss that occurred. Their primary role is to objectively evaluate the situation, gather evidence, and determine whether the claim is covered under the terms of the insurance policy.

The process typically involves visiting the site of the loss, interviewing the claimant and any witnesses, and documenting the damage through photographs and reports. The kahjuhindaja must understand the policy's coverage, exclusions, and conditions to make an accurate assessment. They may consult with experts, such as engineers or contractors, depending on the nature of the claim.

Based on their investigation, the kahjuhindaja prepares a detailed report for the insurance company. This report includes their findings, an estimate of the repair or replacement costs, and a recommendation on whether to approve or deny the claim. If approved, they will often negotiate a settlement amount with the policyholder. Their work is crucial in ensuring that insurance claims are handled fairly and efficiently, balancing the interests of both the insurer and the insured.