5 Home Insurance Claim Adjuster
Secret Tactics
Written by real, lifetime Insurance agents.
“We have worked both in and out of Florida and know about Florida’s unique claim problem. Here our some secret tactics our agency uses.”
-Tanner Huber
Methods Meant To Get Results
In summary, one of the best ways to get results with anything in life is to understand what the other party, in this case the carrier, wants from you. Remember, the people that will be provided to you have no stake in the company and will only allow things that are cohesive with their guidelines. I have seen several people approach the claims department as the enemy. Typically, the service team within the corporation will write them off as rude and delay their requests. This will hurt you. Here are some more specific ways to get results.
Get Your Agent’s Contacts
Sometimes agents will keep personal contacts in house of the carrier you were placed with. Typically agents will have some sort of relationship with these people, giving you special attention. Remember, there are most likely a long line of clients just like you looking for support, especially if you took part in a natural disaster. This is a great method to get in front of the line. We at 3rd Generation Insurance keep contacts of people we work with for this purpose. This is why having a real, preferably local agent is so important, and yes, the talking lizard doesn’t count.
By leveraging their personal contacts, agents can gain access to valuable information that may not be readily available to the general public. They can stay informed about the latest policy updates, procedural changes, and any specific requirements or documentation needed for a seamless claims process. This knowledge allows agents to guide their clients effectively, ensuring they are well-prepared and have a clear understanding of what to expect.
2. Go To Your Carrier Directly
Insurance agents and insurance carriers are two key players in the insurance industry, each fulfilling distinct roles. While they work in collaboration to provide insurance coverage to individuals and businesses, it's important to understand the differences between the two.
Insurance agents, also known as insurance brokers or producers, act as intermediaries between insurance carriers and customers. They represent multiple insurance companies and work on behalf of their clients to find suitable insurance coverage based on their specific needs.
Direct Communication: Dealing directly with your insurance carrier allows for clear and direct communication. You can reach out to the carrier's dedicated claims department, which specializes in handling claims efficiently and effectively. This direct line of communication can help streamline the claims process and ensure that all necessary information is conveyed accurately.
Expertise and Resources: Insurance carriers have in-house claims adjusters and professionals who are specifically trained in assessing and processing claims. They have extensive knowledge of the policies they offer and are experienced in handling various types of claims. Working directly with the carrier ensures that your claim is handled by experts who understand the intricacies of the policy and can provide guidance throughout the process.
Faster Claims Processing: Insurance carriers have established claims procedures and systems in place to expedite the processing of claims. By going directly to the carrier, you can avoid potential delays that may arise from the back-and-forth communication between the agent and the carrier. Directly contacting the carrier allows for a more streamlined and efficient claims handling process.
Policy Understanding: Insurance carriers have a comprehensive understanding of the policies they issue. They can provide accurate information about coverage limits, deductibles, and policy terms and conditions. While agents are knowledgeable about the policies they sell, working directly with the carrier ensures that you receive information directly from the source, minimizing the risk of miscommunication or misunderstandings.
Claims Settlement Authority: Insurance carriers have the authority to make claims settlement decisions and disburse funds for approved claims. By contacting the carrier directly, you can work directly with the entity that has the ultimate authority to make decisions regarding your claim. This can help expedite the settlement process and ensure that you receive the appropriate compensation in a timely manner.
If you do not have contact information for your carrier, reach out to your agent. They may even have contact information that you were not aware about. I prioritize my clients, but if you are struggling, you can reach me here at tannerhuber@allstate.com
3. Use Different Approaches
If you are having a hard time getting a response, try looking for other methods of contact. Most carriers will have an email and phone number that they monitor. You may even be able to connect with a neutral adjuster or underwriter that can help you. Most carriers will have a contacts page online displaying up to date methods. Examples:
Email and phone calls provide you with multiple channels of communication, increasing the likelihood of reaching your claim adjuster. Some adjusters may prefer email communication, while others may be more responsive to phone calls. By utilizing both methods, you cover different communication preferences and increase your chances of getting a timely response.
Phone calls offer the advantage of immediate interaction and real-time conversation. It allows you to ask questions, provide additional information, and receive instant responses. If you have an urgent matter or need to discuss your claim in detail, a phone call can be an effective way to engage with your adjuster directly.
It's important to note that while email and phone calls can be effective methods of communication, it's crucial to be patient and give your adjuster reasonable time to respond. Adjusters often handle multiple claims simultaneously and may be dealing with high volumes of inquiries. If you don't receive a response within a reasonable timeframe, follow up with a polite reminder. Maintaining open and respectful communication can help foster a positive relationship with your claim adjuster and facilitate a smoother claims process.
4. Know What Your Policy Covers
Most people do not know what their coverage includes and you are most likely that person. I have yet to see a home insurance policy that covers everything. If you sustained damage, I would suggest getting a hold of an underwriter to help walk you through your coverages. Overall, knowing what is covered on your home insurance policy empowers you to protect your property, make informed decisions, and navigate the insurance process with confidence. It helps ensure that you have the appropriate coverage to safeguard your home and belongings, providing you with financial security and peace of mind.
Risk Assessment and Mitigation: Understanding your policy coverage helps you assess the risks associated with your property and take appropriate steps to mitigate them. For example, if you live in an area prone to natural disasters, such as hurricanes or earthquakes, you can check if your policy covers these perils and take additional precautions if needed. Being aware of what is covered allows you to make informed decisions about risk management and implement necessary safety measures.
Avoiding Coverage Gaps: Insurance policies may have limitations, exclusions, or specific conditions that could result in coverage gaps if not understood properly. By familiarizing yourself with the policy terms, you can identify any potential gaps in coverage and take steps to address them. This may involve purchasing additional coverage or seeking endorsements to fill the gaps and ensure comprehensive protection for your property.
Claim Process Knowledge: In the unfortunate event of a claim, knowing what is covered on your policy helps streamline the claims process. You can provide accurate information to your insurance company and avoid delays or misunderstandings. Understanding the coverage details allows you to report the loss properly, provide the necessary documentation, and ensure a smoother claims experience.
If you are interested in learning more about the components of home insurance, you can read our article here.
5. Ask Your Agent
Asking your insurance agent for help with your home insurance claim can be beneficial for several reasons:
Expertise and Knowledge: Insurance agents are professionals who specialize in insurance policies and claims. They have a deep understanding of the insurance industry, policy terms, and claim procedures. By reaching out to your insurance agent, you can leverage their expertise and knowledge to navigate the claims process effectively. They can provide guidance, answer your questions, and ensure that you have a clear understanding of the steps involved in filing and settling a claim.
Personalized Assistance: Your insurance agent is familiar with your specific policy and coverage details. They can review your policy to determine the scope of coverage for the damage or loss you have experienced. This personalized assistance helps ensure that you are aware of the benefits and limitations of your policy, allowing you to make informed decisions during the claims process.
Claims Advocacy: Insurance agents can serve as your advocate when dealing with the insurance company. They can communicate on your behalf, helping to facilitate the claims process and resolve any issues or disputes that may arise. Your agent can help ensure that your claim is handled promptly and fairly, working to protect your interests and maximize the settlement you receive.
Policy Interpretation: Insurance policies can be complex and contain technical language that may be challenging to interpret. Your insurance agent can help you understand the terms, conditions, and exclusions in your policy related to your specific claim. They can explain how coverage applies and assist in determining the extent of your entitlement to compensation.
Claims Documentation: Filing a home insurance claim typically involves providing documentation, such as photographs, repair estimates, and receipts. Your insurance agent can guide you on the type of documentation required to support your claim and ensure that you have all the necessary evidence to substantiate your losses. They can help you gather the relevant information and present it in a manner that strengthens your claim.
Claim Progress Monitoring: Following up on a claim can be time-consuming and frustrating. Your insurance agent can help monitor the progress of your claim, ensuring that it is being processed in a timely manner. They can liaise with the insurance company's claims adjuster and keep you informed of any updates or developments throughout the process. This proactive approach helps alleviate stress and provides peace of mind, knowing that your agent is actively involved in advocating for your claim.
Access to Resources: Insurance agents often have access to additional resources that can be beneficial during the claims process. They may have established relationships with preferred contractors, restoration companies, or other professionals who can assist with repairs or property assessments. Your agent can provide recommendations or connect you with trusted service providers to expedite the claims resolution and ensure quality workmanship.
Policy Review and Adjustments: While assisting with your home insurance claim, your agent can also take the opportunity to review your policy and discuss any necessary adjustments or updates. They can assess your coverage needs based on the claim experience and recommend any changes that may be beneficial for your future protection. This proactive approach helps ensure that your policy remains aligned with your evolving needs and provides adequate coverage.
In summary, involving your insurance agent in your home insurance claim process can provide you with valuable support, expertise, and advocacy. They can guide you through the complexities of the claims process, help interpret policy terms, document your losses, monitor claim progress, and ensure that you receive a fair settlement. Their personalized assistance and commitment to your best interests can contribute to a smoother and more satisfactory claims experience.
NOTE: Although a great resource, insurance agents are not trained to handle claims. It is usually more beneficial that clients use carrier resources to get results.
What Is An Insurance Adjuster?
The main task of an insurance adjuster is to assess personal injury or property damage claims and determine the appropriate amount of compensation that an insurance company should provide to the claimant. Insurance adjusters, also known as claims adjusters, typically work for insurance companies, although some may work independently as external contractors hired to evaluate claim liability.
The primary responsibilities of an insurance adjuster include:
Receiving and Processing Claims: Insurance adjusters receive and handle claims submitted by individuals seeking compensation for personal injury or property damage. They initiate the claims process and ensure that all necessary information and documentation are collected.
Serving as the Point of Contact: During the claim processing period, insurance adjusters act as the primary point of contact for the claimant. They communicate with the injured party or property owner, addressing their concerns and providing updates on the progress of the claim.
Evaluating Injuries or Property Damage: Insurance adjusters carefully review the extent of physical injuries or property damage reported by the claimant. They may assess medical records, examine damaged property, or consult with experts and witnesses to assess the severity and scope of the loss.
Gathering Evidence: To evaluate the claim, insurance adjusters collect and analyze various types of evidence. This may include reviewing surveillance footage, analyzing police reports, interviewing witnesses, and gathering any relevant documentation or testimonies.
Assessing Liability: Insurance adjusters determine the liability of the insured party by examining the circumstances surrounding the incident. They consider the available evidence and determine if the policy covers the claimed loss.
Calculating Payments and Benefits: Based on their assessment, insurance adjusters calculate the appropriate amount of compensation or benefits that the claimant is entitled to receive. They consider factors such as medical expenses, property repair costs, lost wages, and other relevant factors outlined in the insurance policy.
Negotiating Settlements: Insurance adjusters engage in negotiations with the claimant to reach a fair settlement amount. They aim to strike a balance between the insurance company's interests and the claimant's needs, taking into account the policy terms, applicable laws, and the extent of the damages or injuries.
Overall, insurance adjusters play a crucial role in the claims process by carefully evaluating claims, gathering evidence, assessing liability, and determining appropriate compensation. They act as the liaison between the claimant and the insurance company, ensuring a fair and efficient resolution to the claim.