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What Should You Expect When Dealing With An Insurance Company Adjuster?

Dealing with an insurance company adjuster can be a challenging experience, especially when you’re already facing the stress of property damage. Insurance adjusters work on behalf of the insurance company to assess the damages and determine the amount of compensation offered. Here’s what you can expect from the process and some essential tips on protecting yourself and maximizing your claim.

What to Expect When Dealing with an Insurance Adjuster

  • Inspection of Damages: The adjuster will schedule a visit to inspect your property and document the damages. They’ll take photos, make notes, and even bring specialists to evaluate the extent of the damage.
  • Detailed Questioning: Expect the adjuster to ask detailed questions about the damage and circumstances leading to it. They’ll ask about the cause, the timeline, and any previous repairs or issues. These questions are designed to gather information but may also be used to look for reasons to reduce your payout.
  • Estimate of Costs: The adjuster estimates the repair costs after the inspection. This estimate often forms the basis for the initial settlement offer, but it may not reflect the full cost of repairs.
  • Initial Settlement Offer: The insurance company may present an initial settlement offer based on the adjuster’s assessment. This offer is often lower than you may expect or need to restore your property fully.
  • Negotiation and Follow-Up: If you don’t agree with the initial offer, you can negotiate. Be prepared for the process to take time, as adjusters may need to revisit, reassess, or get approval from their supervisors for any increases in the offer.

How to Protect Yourself and Your Claim

  • Document Everything: Before the adjuster arrives, take photos and videos of the damage from multiple angles. Keep detailed records of all communications, including your conversations’ dates, times, and summaries. This documentation can be critical if disputes arise.
  • Review Your Insurance Policy: Before you meet with the adjuster, review your insurance policy thoroughly. Familiarize yourself with your coverage limits, deductibles, and exclusions. This knowledge can help you understand what you’re entitled to and counter any incorrect claims by the adjuster.
  • Get Your Repair Estimates: Don’t rely solely on the adjuster’s estimate. Obtain estimates from independent contractors or specialists to understand the full repair scope. If the adjuster’s offer doesn’t match your estimates, you’ll have documentation to support your case.
  • Be Cautious with Statements: Adjusters may ask questions in a way that could lead to statements that impact your claim. Be honest, but avoid speculating about causes, damages, or repairs. Stick to the facts and avoid saying anything that could suggest you’re at fault or that the damage isn’t severe.
  • Don’t Accept the First Offer: The initial offer is often a starting point. Don’t hesitate to negotiate if it doesn’t cover your costs. Use the estimates and documentation you’ve collected to argue for a fair amount.
  • Request Everything in Writing: Verbal promises are not binding, so always request written documentation of any offer, decision, or assessment from the insurance company. This helps ensure that any commitments made are on record.

Consider Hiring an Insurance Claim Lawyer

If you encounter resistance or unfair treatment from the adjuster, our expert insurance claim lawyers can help protect your rights. We have over 30 years of experience negotiating with insurance companies, maximizing settlements, and representing your interests.