How notes shape claims
- Initial inspection notes set the scope baseline
- Follow-up notes document any upward revisions (or lack thereof)
- Coverage determination notes support pay/deny
- Reserve justification notes track exposure
- Supervisor sign-off notes authorize payment
Common note patterns that prejudice claims
- "Damage appears consistent with wear and tear"
- "No storm correlation evident"
- "Policyholder's representative insisting on larger scope"
- "Recommend further investigation / deny pending more info"
- "Possible pre-existing condition"
These notes, once written, are cited in downstream decisions.
How to access the file
- Request in writing (carriers must provide on request)
- Request specifically "full claim file including adjuster notes and reserves"
- Discovery in litigation produces the complete file
- PA or attorney representation typically gets fuller disclosure
Using notes in dispute
- Contradict notes with documented evidence
- Cite Florida case law on claim-file weight
- Use in CRN filing to document pretext
- Use in appraisal to show carrier's own documentation