What typically happens when a policyholder files a claim?

When a policyholder files a claim, the typical process involves the appointment of a claims adjuster to evaluate the claim. This step is crucial as the claims adjuster is responsible for investigating the circumstances surrounding the claim, assessing the damage or loss, and determining the validity of the claim based on the policy terms.

The role of the claims adjuster is essential to ensure that the claims process is handled fairly and accurately. They gather relevant information, such as documentation and statements, to make an informed decision regarding the payout. This process can involve inspections, interviews, and consultations with experts as needed.

The other options describe situations that do not generally occur immediately when a claim is filed. For instance, payment is typically not required upfront from the policyholder nor is the policy canceled merely for filing a claim. Additionally, while management may indeed review claims, immediate action is taken by the claims adjuster to initiate the process, rather than a complete halt until further management review.