Texas Adjuster Practice Test

True or False: Adjusters have 48 hours to make reasonable contact with their insured after a claim is filed?

1. True

2. False

3. Only during business hours

4. Only for urgent claims

The correct answer is: True

The statement is true because Texas law requires that adjusters initiate reasonable contact with the insured within 48 hours after a claim has been filed. This is an important regulation that ensures timely communication and service between the insurer and the insured, helping to facilitate the claims process effectively. The expectation for contact within this timeframe reflects the principle of good faith and fair dealing that insurers must uphold. Timely contact allows adjusters to assess the claim details quickly, gather necessary information from the insured, and provide updates or instructions, ultimately leading to faster resolution of claims. The 48-hour timeframe is aimed at keeping insured parties informed and engaged regarding their claims, enhancing customer service and operational efficiency within the claims process. The other options, like restricting the contact only to business hours or solely for urgent claims, do not align with the regulatory requirements that prioritize prompt communication with all insured parties regardless of the claim's nature or the time of day.