Their Primary Loyalty
Insurance adjusters work for the insurance company, not for you. While they may appear helpful and concerned about your situation, their primary responsibility is to protect the company's financial interests. Most adjusters are evaluated on how efficiently they can settle claims while minimizing the company's payout. This doesn't mean they're dishonest, but their goals often don't align perfectly with maximizing your claim settlement.
The Initial Offer Is Negotiable
The first settlement offer is rarely the best or final one. Adjusters typically start with conservative estimates, expecting that some policyholders will simply accept the initial offer without question. Most claims are negotiable, and adjusters are usually authorized to increase settlement amounts when presented with proper documentation and persistent, reasonable counteroffers.
Documentation Matters Tremendously
Adjusters rely heavily on what you document and prove. They won't actively seek out additional damage beyond what you report or what's immediately visible. Without proper documentation (photos, videos, receipts, professional estimates), it's your word against theirs. Thorough documentation significantly strengthens your position in the claims process.
Policy Language Interpretation
Insurance policies contain complex language with specific definitions and exclusions. Adjusters understand these nuances and how they can be interpreted in the company's favor. They rarely explain all the coverage options or alternative interpretations that might benefit you. Reading and understanding your policy's specific language can help you challenge potential claim denials.
Independent Assessments Are Valuable
You have the right to obtain independent estimates for repairs or replacement values. Adjusters won't suggest this, but these independent assessments often reveal higher legitimate costs than the insurance company's initial estimates. Professional contractors, public adjusters, or specialized appraisers can provide valuable documentation to support your claim.
Time Limitations Matter
Insurance claims have strict deadlines and time limitations. While adjusters will inform you of basic deadlines, they may not emphasize how critical these timeframes are or explain extension options. Missing deadlines can severely limit your ability to dispute settlements or submit additional information.
Additional Living Expenses
Many policies cover additional living expenses if your home becomes uninhabitable, but adjusters don't always proactively explain the full extent of these benefits. These can include hotel stays, restaurant meals, laundry services, pet boarding, and other reasonable expenses beyond your normal living costs.