At underwriting you ask what this document lets you accept. At claim you ask whether it is what it says it is.
The same evidence, read for two purposes, with money moving in opposite directions.
Two desks, one document
One is a pricing question and the other is a question about the paper itself, and the same kind of evidence answers both.
Where you meet credit risk
Bancassurance and premium financing put you in front of a credit file rather than an insurance one. That file gets the appraisal a lender's file gets.
When a declined claim is disputed
The file shows what the assessor was looking at, and what they did with it.