Dealing
with a home insurance adjuster is a necessary part of making a home
insurance claim. Like it or not, if you file an insurance claim for
property damage, you’re going to have to deal with an adjuster sent by
your insurance company.
Fortunately,
there are strategies you can use to minimize the hassle of dealing with
a home insurance adjuster, including all of the following tips and
tricks:
- Negotiate with the adjuster. Don’t be afraid to deny their first offer or dispute their information (if their claims are inaccurate). Your insurance company has a legal liability to cover damages from the covered incident. If they’re failing to live up to that liability, then they’re acting in bad faith.
- Consider hiring a public adjuster or an insurance attorney. If your insurance company is dragging its feet, delivering a low offer, or acting in bad faith, then it may be time to contact the professionals. Consider hiring a public adjuster or attorney to keep your claim moving forward.
- Avoid giving a recorded statement to the home insurance adjuster.
- Avoid speaking to the adjuster unless necessary.
- Avoid signing any documents form the insurance adjuster until you have reviewed everything.
- Don’t go overboard with your negotiation tactics. You are required to cooperate with your insurance adjuster and failing to cooperate could jeopardize your claim. Negotiate, but don’t act recklessly.
- Once a final settlement has been reached, get that settlement in writing. Some sleazy adjusters will promise one thing during negotiations, only to avoid mentioning that offer on the final paperwork.
Find more great information about how to handle a home insurance adjuster after a claim. If you follow these tips and tricks, then dealing with your home insurance adjuster may not be so stressful.
