Be cooperative, polite, and stick to the facts. The adjuster is not your advocate; their job is to investigate the claim for the insurance company. Do not volunteer extra opinions or admit fault. Answer questions directly but do not guess or speculate. It is often wise to avoid giving a recorded statement without first understanding your rights. Keep a log of all conversations, including the adjuster’s name, the date, and what was discussed.

No. Never tell someone they do not need medical care. Your role is to ensure their well-being is addressed, not to make medical judgments. Instead, encourage them to be evaluated by a professional, especially if they report any pain or discomfort. You can say, “I’m not a doctor, so it’s always best to get checked out to be safe.“ This shows reasonable care and prevents accusations that you downplayed their injuries, which could be seen as an admission of guilt.

You are responsible if your negligence caused the dangerous condition. This means you knew or should have known about a hazard—like a broken step, icy walkway, or wet floor—and failed to fix it or warn visitors about it in a reasonable time. Simply owning the property where someone falls does not automatically make you liable. The key question is whether you acted with reasonable care to keep your property safe for guests, customers, or other expected visitors.