Which of the following is NOT a step in the claim process?

The claim process typically involves a series of defined steps to ensure that the claims are handled efficiently and fairly. Investigating the losses is a critical step where the adjuster evaluates the details of the claim by gathering information, assessing damages, and determining the validity and extent of the losses reported by the policyholder.

Negotiating a settlement is another essential step, where the adjuster and the claimant (or their representatives) discuss the findings and work towards a mutually agreeable settlement amount that aligns with the policy terms and the assessed damages.

Acknowledging the claim is vital as well; it involves the insurance company formally recognizing receipt of the claim and starting the investigation process, which sets the groundwork for the follow-up actions that will occur.

Establishing lines of conflict is not a standard step in the claim process. It suggests creating disputes or areas of contention rather than focusing on resolution. The goal of the claims process is to resolve issues and ensure fair compensation rather than to set up conflict. Therefore, this option does not fit the framework of the claim process as it diverts from the objective of clear communication and resolution between the insurer and the insured.