Written by admin on November 25, 2022 at 12:02 PM.
When you file an insurance claim, you’re going to have to learn about dealing with insurance adjusters the hard way. It’s best to go into meetings with insurance adjusters totally prepared for anything. Here’s a quick guide on dealing with insurance adjusters.
Claims adjusters do investigative work. They evaluate your property, collect evidence on the extent of the damage, and rule on your claim. Once an insurance claim is filed, a claims adjuster is called in to take over the process. Their job is to gather information, work out what happened, and find a “reasonable settlement price”.
It’s important you keep one thing in mind about this process. The adjuster works for the insurance company, they do not advocate for you. They’re not there to give you fair compensation. The adjuster is paid to calculate the lowest possible payout on your insurer’s behalf. Hence, you should go into your interactions with that knowledge.
Rule number one, be meticulous. Put together an itemized list of your belongings. Make sure you understand your insurance policy limits and exclusions. Keep notes of before, during, and after your meeting with the adjuster.
Once the claims process begins, here are a few things you should do in preparation for dealing with insurance adjusters.
It’s important to note you don’t need to be present when the insurance adjuster visits; however, you should be. An insurance adjuster will come to your property to collect information about the extent of your loss. The adjuster’s findings determine the insurance payout you’ll receive.
It helps to be there with all the aforementioned documentation of damages, reports, etc. This way, you can personally make sure nothing is overlooked. Keep notes of all interactions with the adjuster; that way, you don’t miss anything either.
When the adjuster’s visit is over, you’ll be required to submit any information related to your homeowners insurance claim within a period of time defined by your policy.
This process is simplified if you are meticulous about keeping notes and keeping itemized inventory and losses. You want your insurance company to have everything they need to provide fair compensation.
When an adjuster rules on your claim, you might be dissatisfied if they offer a small payout or reject the claim altogether. But you still have recourse.
You should always consider hiring a public adjuster. The fact is, when dealing with insurance adjusters, you’re dealing with someone with the insurance provider’s best interest in mind and not your own. You should always bring in a public adjuster to examine your property.
On average, public adjusters find that insurance settlements are far lower than they should be. Insurance carriers are interested in saving money, not helping you. Public Adjusters can help you get the maximum amount out of your insurance company, on average getting up to 747% higher payouts.
Stellar Public Adjusting will protect you and your interests in claims against a loss with the insurance company to ensure you get a fair settlement. We are well-acquainted with the insurance claim journey and can help you navigate the insurance claims process.
For more homeowners insurance claim tips, stay tuned to our blog. We do our best to help spread our insurance knowledge to regular people like you!
Contact us today if you need a public adjuster because you’re looking for a fair resolution. Call our office at (888) 987-8355; Stellar Adjusting is open 24 hours per day, 7 days per week.
Friendly staff and work really hard to get what you deserve. I appreciate everything they did for me. Thank you again.
HIGHLY recommend Stellar Public Adjusting! Meticulously and professionally handled our claim, and stood by our side throughout the entire process! Thank you!
Worked with Stellar on a project involving a kitchen flood. They were always there to help & answer all the questions I had – and they reached a fair settlement with my insurance for me. I probably wouldn’t have gotten half of what I did without them! I’d easily recommend them to anyone needing a Public Adjuster.
Glad I hired them. Stellar Public Adjusting assisted in my water damage claim in my condo from my neighbors pipe. They really know there stuff when it comes to claims. They obtained way more than my insurance company initially offered. A very professional company.
David has done multiple claims for our real estate company, as well as for myself and friends. Always exceeds expectations. Highly reliable, and completely on top of his game. Highly recommended.
I have full confidence in the team at Stellar and do not recommend that anyone file an insurance claim without them. The insurance company is not on your side and they are not a good neighbor.
Stellar is on your side and they are in the neighborhood. Call them immediately when damage happens.