Which of the following should be confirmed by an adjuster when investigating a claim of arson?

When investigating a claim of arson, a critical aspect for the adjuster to confirm is the claimant's motive for the fire. Establishing the motive is essential in arson cases because it may indicate whether the fire was intentionally set to obtain insurance money or for other illicit purposes. Understanding the underlying reasons can help the adjuster assess the legitimacy of the claim and determine if foul play is involved.

In an arson investigation, verifying the claimant's motive might involve looking into their financial situation, previous claims, or statements made about the vehicle prior to the incident. This information is pivotal in establishing a pattern of behavior that may support or contradict the claim of accidental loss.

While the history of repairs, existence of additional insurance policies, and personal opinions may play a role in a comprehensive claim review, they do not get to the heart of an arson investigation as directly as understanding motive does. These factors can provide context or additional insights but are not the primary indicators of potential fraud or intent to commit arson.