An insured files a claim for a vehicle damaged in a flood, but the adjuster discovers the policy excludes flood damage. The insured pressures the adjuster to approve the claim anyway. What is the adjuster's ethical obligation?
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A
Approve the claim to avoid conflict
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B
Deny the claim per policy terms and document the exclusion clearly
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C
Escalate to management and let them decide
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D
Offer a partial payment as a compromise