How to Analyze Recorded Statements as an Adjuster

Recorded statements are one of the earliest and most influential tools in the claims process. When conducted and analyzed correctly, they help establish facts, assess credibility, and shape claim strategy. When overlooked or misunderstood, they can increase exposure, complicate negotiations, or even accelerate attorney involvement.

In fact, a study by the Insurance Research Council (IRC) found that claimants who retained an attorney received settlements 3.5 times higher on average than those who handled claims on their own. While many factors contribute to that outcome, recorded statements often play a critical role in how a claim develops from the start.

For claims professionals, the value of a recorded statement isn’t just in taking it; it’s in how it’s reviewed, interpreted, and applied throughout the life of the claim.

Start With Close-Ended Questions to Lock in the Facts

Closed-ended questions form the foundation of an effective recorded statement. These questions establish the essential details of the loss, including:

• Date and time of the incident
• Location
• Parties involved
• Sequence of events

Because these questions require specific answers, they help ensure clarity and consistency early in the process. From an analysis standpoint, closed-ended responses become benchmarks that adjusters can later compare against medical records, written statements, and subsequent testimony.

Look for changes in basic facts over time. Even small inconsistencies, such as shifting timelines or altered descriptions of events, can impact credibility or raise red flags that warrant further review.

Transition to Open-Ended Questions for Deeper Insight

Consistency doesn’t stop with the recorded statement. Adjusters should continually compare recorded statements to other claim-related documentation, including:

• First reports of injury
• Medical intake forms
• Subsequent statements or depositions
• Surveillance or social media findings, when applicable

Inconsistencies don’t automatically indicate misrepresentation, but they do affect how a claim is valued and defended.

Inconsistent narratives can weaken credibility, complicate settlement discussions, and increase exposure if a claim becomes litigated.

Evaluate Credibility and Admissions Carefully in Recorded Statements

Recorded statements often include unintentional admissions. Claimants may make comments about fault, prior injuries, or activity levels without understanding how those statements could impact coverage or liability.

These admissions may later be clarified or disputed but they still influence early claim strategy and reserve decisions.

What to flag:

• Statements suggesting partial fault
• References to pre-existing conditions
• Descriptions of physical abilities that conflict with claimed limitations

Tracking these details early helps prevent surprises later in the claim lifecycle.

Understand How Recorded Statements Impact Claim Value

The details captured in a recorded statement can directly influence settlement value. Injury descriptions, activity levels, timelines, and causal explanations all play a role in how damages are assessed.

Accurate, consistent information supports fair claim evaluation. In contrast, unclear or contradictory statements can increase uncertainty, driving up costs and prolonging resolution.
Recorded statements are more than a procedural step; they’re a strategic tool. Effective analysis helps adjusters set realistic reserves, anticipate disputes, and manage claims proactively.

When adjusters take the time to analyze recorded statements for structure, consistency, and credibility, they’re better equipped to make informed decisions that protect both the claim and the process. Listening carefully and reviewing thoughtfully can make all the difference.

Curious about how a recorded statement can impact exposure? Connect with our experts today.