Adjuster's Scope Section

Six months from now, when this file is in front of an umpire or in deposition, someone is going to ask "what did the carrier originally offer, and what did they leave out?" If you cannot answer that crisply from the report itself, you have to dig through email threads and adjuster spreadsheets to reconstruct it.

The Adjuster's Scope section is your baseline. It captures the carrier's starting position so the rest of the report has something concrete to compare against. Without it, your final numbers are floating in space. With it, the gap between the carrier's initial scope and the award is right there on the page, in your own words.

This article covers what to capture, how to structure it, and how the section sets up the negotiation narrative that follows.

What to Document

• Summary of the carrier's scope
• Key line items and amounts
• What was included vs. excluded
• Any discrepancies noted
• Date of the carrier's estimate

Comparison Points

When writing this section, consider how the carrier's scope compares to your findings. This sets up the negotiation narrative.