How to Deal with a Home Insurance Adjuster in Florida
When your property has suffered damage, the first step to financial recovery is often filing a claim with your homeowner’s insurance company. But soon after, you’ll be contacted by an insurance adjuster. A professional’s job is to investigate the claim and evaluate how much the insurance company should pay. Unfortunately, many policyholders don’t realize that insurance adjusters are not on their side.
Understanding how to interact with a home insurance adjuster in Florida can make a substantial difference in the outcome of your claim. Here’s precisely how to protect your rights and maximize your payout.
Who Does the Insurance Adjuster Work For?
The insurance adjuster is employed or contracted by the insurance company. Their job is to minimize payouts and protect the company’s bottom line, not yours.
There are three types of adjusters:
- Staff Adjusters – Full-time employees of the insurer.
- Independent Adjusters – Contractors hired by insurers.
- Public Adjusters – Licensed professionals hired by you, the policyholder.
When your insurer sends an adjuster to your property, they represent the insurer’s best interest. You need to make sure your interests are protected, too.
How to Communicate with a Home Insurance Adjuster
What you say to an adjuster can directly affect your claim.
1. Be Truthful, But Cautious
- Avoid Speculation: Don’t speculate about the cause of the damage or the extent of your injuries. Stick to the facts and avoid making statements that could be misinterpreted or used against you.
- Don’t Accept Immediate Offers: Be cautious of quick settlement offers from the insurance company. These offers may be lower than what you are entitled to. It’s often wise to consult with a lawyer before accepting any settlement.
2. Never Say “I Don’t Need a Lawyer”
Avoid statements that imply you’re handling the claim alone. These may encourage the adjuster to make a lowball offer, assuming you won’t dispute it.
3. Don’t Allow Recorded Statements Without Legal Counsel
You are not legally obligated to provide a recorded statement immediately. Speak with an insurance claim attorney before doing so, especially if the claim involves significant damage or disputes.
What to Do Before the Adjuster Arrives
Taking the proper steps before the adjuster steps onto your property lays the foundation for a strong claim.
1. Review Your Insurance Policy
Understanding the details of your home insurance policy can help you better discuss your case and any issues you may have with an insurance adjuster. Most claimants do not read their policies word for word; instead, they hire an insurance claim lawyer. Review your homeowners’ insurance policy to understand what is covered, any exclusions, and your coverage limits. Familiarity with your policy will help you discuss your claim more effectively.
2. Document the Damage Thoroughly
Take clear photos and videos of all damaged areas—interior and exterior. Make a room-by-room inventory of damaged items and keep receipts for temporary repairs.
Key Red Flags of a Biased Adjuster
Be alert for signs the adjuster may be working to reduce or deny your payout:
- Downplays the severity of visible damage
- Claims pre-existing damage without proof
- Ignores hidden damage (like roof leaks or mold)
- Pushes you to use insurer-approved contractors only
- Pressures you to settle quickly
If you notice these tactics, it’s time to escalate the claim or hire an attorney.
Know Your Rights
Understand your rights under Florida law regarding homeowners’ insurance claims. This includes:
- Right to Fair Treatment: Insurers must handle claims in good faith and treat policyholders fairly.
- Right to Appeal: If you disagree with the settlement offer, you can appeal the decision and provide additional evidence to support your claim.
- Right to Legal Representation: You can consult with an attorney if you believe the insurance company is acting in bad faith or if the claim process becomes contentious.
We Hold Insurance Companies Accountable
Williams Law, P.A. has successfully helped Florida homeowners recover millions in denied, delayed, or underpaid claims. When we step in, insurers know we mean business.
We offer:
- Free policy and claim review
- Strategic legal support from start to finish
- Contingency fee representation—you don’t pay unless we win
Protect Yourself Before It’s Too Late
Insurance companies have legal teams. You should, too. Don’t let an adjuster’s low offer or misleading tactics cost you the payout you’re owed. Call us at 1-800-451-6786 or fill out our online contact form.