What must be included in an adjuster’s report regarding a claim?

The correct answer encompasses the essential components of an adjuster's report, which should provide an objective analysis of the claim. This includes presenting all relevant details surrounding the claim, such as the facts of the incident, any evidence collected (such as photographs or expert opinions), and a thorough examination of the circumstances leading to the claim. Additionally, the report should contain findings from the investigation and recommendations based on the assessment.

By maintaining objectivity and focusing on the factual aspects of the claim, the adjuster ensures that the report serves as a reliable document for making informed decisions regarding the handling and resolution of the claim. This level of professionalism and clarity not only facilitates a smoother claims process but also helps to protect the interests of all parties involved by providing a transparent account of the claim's context and trajectory.

Including subjective opinions or personal interactions, as mentioned in the other options, would detract from the professionalism required in an adjuster's report and could introduce bias, which is contrary to the statutory obligations and ethical standard expected in the field. Furthermore, while a final settlement figure may be important, it is not sufficient by itself; the report must provide a comprehensive overview that justifies that figure through well-supported analysis.