Kelly, Vince, Ed, and Ginny are all staff adjusters. Which of these adjusters is acting appropriately as a fiduciary agent?

a. Kelly tries to calm an angry claimant by telling him that she's sure his claim will be covered, even though she has not yet determined the cause of loss.
b. Vince finds additional damage that seems to be related to the claim, but he leaves it off of his estimate because the claimant didn't notice it in the first place.
c. Ed knows the claimant can't possibly afford to pay for their extensive damages, but he denies the claim anyway because the cause of loss was not covered by the policy.
d. Ginny investigates the claim and determines the loss is not covered, but writes up her estimate in such a way that it would appear to be covered so she can pay the claimant anyway.

Ans: c. Ed knows the claimant can't possibly afford to pay for their extensive damages, but he denies the claim anyway because the cause of loss was not covered by the policy.