When an insured suffers a loss, who requests an inventory of the damaged property?

The insurer is responsible for requesting an inventory of the damaged property when an insured suffers a loss. This procedure is part of the claims handling process. After a claim is reported, the insurer, which represents the insurance company, needs to assess the extent of the loss and evaluate the claim.

By requesting an inventory, the insurer obtains a detailed list of the damaged items, their condition, and their value, which is crucial for determining the amount of compensation that the insured is entitled to under the terms of the insurance policy. This inventory helps ensure that the claims process is thorough and that all damages are accounted for, making it an essential step in validating and processing the claim.

Other parties involved, such as the insured or an adjuster, may be involved in different capacities, but it is ultimately the insurer that initiates the request for such information to facilitate the claims process. The broker, while facilitating communications and possibly helping the insured navigate the claims process, does not directly request this inventory.