What action is essential if an adjuster finds indications of fraud?

When an adjuster discovers indications of fraud, the most appropriate and essential action is to report their findings to the fraud department and follow the established internal procedures. This approach ensures that the situation is handled in a structured and comprehensive manner.

By reporting to the fraud department, the adjuster allows specialized teams, trained to deal with such matters, to conduct a more thorough investigation. These departments typically have procedures in place to assess the evidence, gather additional information, and take appropriate actions as guided by the company's protocols and legal requirements.

Following internal procedures is crucial because it not only protects the interests of the insurance company but also helps ensure compliance with regulatory standards and legal obligations. This structured response minimizes the risk of mishandling sensitive information and ensures that the case is approached professionally and ethically.

In contrast, other options, while potentially relevant, do not provide the same level of systematic handling or adherence to institutional protocol.