When evaluating a property damage claim, what is a key factor to consider?

When evaluating a property damage claim, considering the cause of the damage is essential because it directly affects liability and coverage. Understanding how the damage occurred is crucial for determining whether the incident is covered under the policy terms. For instance, damage resulting from a natural disaster may be treated differently than damage from negligence or normal wear and tear. The cause can also influence the adjuster's investigation process, as certain causes may require specific documentation or repair protocols, and knowing this can guide the handling of the claim effectively. Evaluating the cause helps ensure that policyholders receive fair compensation based on the circumstances of the incident and the terms of their policy.