Under the claims file documentation rule in Title 10 CCR §2695.3, an insurer must maintain claim file documents in a form that:
a.Permits the insurer to withhold internal adjuster notes and reserve figures from Department examiners
b.Is shared with the claimant's attorney every 30 days
c.May be discarded one year after closing the file
d.Permits accurate reconstruction of all activities undertaken on the claim
Explanation
Title 10 CCR §2695.3 requires every licensee's claim files to contain all documents, notes, and work papers (including communications) which reasonably pertain to the claim, in such detail that pertinent events and the dates of such events can be reconstructed. The retention period is at least five years (or longer where required by law).
Law Reference: CCR Title 10 §2695.3This topic, taught in full in the Personal Lines Insurance Producer guide. Personal Lines Insurance Producer — Complete Study Guide (2026) — PDF + EPUB, $19.99 · 14-day refund →
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