Understanding Insurance Adjusters | Who They Are And What They Do

Insurance is important for homeowners to protect their homes and assets. When something happens to their homes, and they need to file a claim to get it repaired or replaced, they typically deal with insurance adjusters. Here's a closer look at insurance adjusters, what they do, and when you may need to hire a public insurance claim-denied adjuster.

What Is an Insurance Adjuster?  

An insurance adjuster is an individual tasked with evaluating and assessing an insurance claim for an insurance company. They are responsible for investigating and evaluating the claimant's case, calculating the damages, and determining how much the insurance company should pay them. There are two types of insurance adjusters: staff and independent or public adjusters. Staff adjusters work for the insurance company, while public adjusters are often hired by homeowners.

What Does an Insurance Adjuster Do?

The insurance adjuster determines a fair settlement value for any damages covered under the homeowner's policy. They will inspect the damage, review any documentation, and then calculate how much should be paid out. This value will be based on the type of policy the homeowner has and the extent of the damage. Once the adjuster has evaluated the damage, they will send the homeowner a settlement offer or deny the claim outright. Homeowners can either accept the offer, negotiate for a higher amount, or hire a public insurance claim-denied adjuster.

How Can a Public Insurance Claim-Denied Adjuster Help?

Unfortunately, not all claims are approved by the insurance company. If the adjuster denies the claim, it means they determined the homeowner's insurance policy does not cover the damage, or the damage is due to negligence on the homeowner's part. When homeowners receive a denial from the insurance adjuster, they can appeal the decision by providing additional information, preparing supplemental documentation, and requesting the involvement of other independent consultants, like a public insurance claim-denied adjuster.

The public adjuster works for you. They will re-evaluate the damage and negotiate with the insurance company for you until you receive an acceptable offer. If the public adjuster successfully negotiates a settlement, they will receive a percentage of the settlement payment.

Filing an insurance claim can be a stressful and daunting process, especially when dealing with insurance adjusters who determine the value of your claim. Understanding what an insurance adjuster does and how the process works can help prepare homeowners for any unexpected incidents. Homeowners have options in proving their case, including hiring a public insurance claim-denied adjuster to fight for what's fair.