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 Following an incident which results in a loss, it is necessary to ascertain the cause and origin of the loss to permit the adjuster to determine whether the incident is a covered loss under the policy.
This process is technical and scientific and while the details vary considerably from one incident to another, involves the following components:
- A review of any photographs taken by the insured and their representatives, and any information available prior to the time of the first site visit
- A site visit as close as possible to the time of the incident to review site conditions
- Access as available following site safety rules and considerations, including possible equipment and manpower to gain additional access
- Data collection, both overview and detailed
- Interviews of site personnel
 Physical and electronic evidence collection for preservation and /or testing and analysis- Review and analysis of data and any test results
- Finalization of evidence supporting the cause and origin hypothesis / conclusion
- Final report
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