After suffering property damage from a storm, fire, flood or other insured event, one of the most important steps is filing an insurance claim.
This process requires working closely with an insurance adjuster assigned by your provider to assess the damage and determine the claim's value.
While insurance adjusters are tasked with evaluating claims fairly, it's wise to understand their role and be prepared to advocate for yourself to ensure you receive a proper settlement.
Here, our Alabama attorneys will provide key tips for effectively dealing with insurance adjusters in Alabama, so you can protect your rights and maximize your claim.
What Is an Insurance Adjuster's Role?
Insurance adjusters are claims professionals employed or contracted by insurance companies.
Their primary role is to investigate insurance claims by:
- Inspecting damage to your property;
- Reviewing records, reports, and documentation;
- Evaluating the costs to repair or replace damaged structures and possessions;
- Determining if damages are covered under the terms of your policy; and
- Negotiating settlement amounts for valid claims.
While adjusters have a duty to follow their employer's policies and procedures, they must operate in good faith and comply with Alabama insurance regulations.
However, it's important to recognize that they also have an incentive to minimize claim payouts to protect their company's financial interests.
Steps to Take When Working With an Adjuster
Dealing with adjusters is often unfamiliar territory for policyholders. Take these proactive measures after filing a claim to prepare for the process:
- Review Your Policy: Carefully read your policy documents to understand what is and isn't covered, as well as the deductibles, limits, and duties you must perform. Be prepared to show the adjuster proof that you have satisfied your responsibilities.
- Document Everything: Extensively document all damages with photos/videos before making temporary repairs to prevent further losses. Also, track related expenses, completed repairs, and communications with the insurer.
- Get Professional Estimates: Obtain detailed repair/replacement cost estimates from reliable, licensed contractors to counter low offers from adjusters.
- Consult Experts if Needed: For complex claims, consider hiring independent adjusters, contractors, engineers, or attorneys who will solely represent your interests rather than the insurer's.
- Ask Questions: Don't be afraid to ask adjusters to explain procedures, terms, and concepts you don't understand. Get clarification if something seems inaccurate or incomplete.
- Negotiate Reasonably: Adjusters have some flexibility when evaluating claims costs. Present evidence supporting your estimates, but negotiate reasonably to reach a fair settlement.
By following these proactive steps when working with an adjuster, you can confidently navigate the claims process and ensure that you receive fair treatment and just compensation for your losses.
Common Tactics to Watch Out For
Some adjusters may employ certain tactics to underpay or deny valid claims.
Be wary if an adjuster:
- Rushes inspections or seems negligent when evaluating damages;
- Fails to quantify and account for all damages in their report;
- Recommends substandard repair materials or vendors;
- Delays responding to communications or dragging out the process;
- Pleads partial losses or misinterprets policy provisions; and
- Becomes hostile, rude, or pressures you to accept a low settlement.
If you suspect an adjuster is acting in bad faith, calmly express your concerns and get their reasoning documented. Consult your policy, insurer, and counsel if the issues persist.
Frequently Asked Questions
As you navigate the intricacies of dealing with insurance adjusters in Alabama, it's natural to have questions about the process and your rights.
Below, we address some frequently asked questions to help you better understand how to handle insurance claims effectively.
Can I Negotiate With Insurance Adjusters?
Yes, you can negotiate with insurance adjusters to try to reach a fair settlement. However, it's essential to approach negotiations strategically and be prepared to advocate for your rights.
What if the Insurance Adjuster Denies My Claim?
If your claim is denied, you have the right to appeal the decision. Review the denial letter carefully, gather any additional evidence or documentation supporting your claim, and seek legal advice to guide you through the appeals process.
How Long Does It Take to Settle a Claim With Insurance Adjusters?
The time it takes to settle a claim can vary depending on various factors, such as the complexity of the case, the extent of the damages, and the cooperation of all parties involved.
It's essential to be patient and persistent throughout the process.
What if I Disagree With the Insurance Adjuster's Assessment of Damages?
If you disagree with the insurance adjuster's assessment of damages, you have the right to challenge their findings.
Provide any additional evidence or documentation that supports your position, and consider seeking a second opinion from an independent expert if necessary.
Will My Insurance Premiums Increase if I File a Claim?
Filing a claim may increase your insurance premiums, especially if the insurance company determines that you are at fault for the incident.
However, the extent of the increase can vary depending on several factors, including your insurance company's policies and your claims history.
Should I Hire a Public Adjuster to Help With My Claim?
Hiring a public adjuster can be beneficial if you feel overwhelmed by the claims process or believe you're not adequately compensated for your losses.
Public adjusters work on behalf of policyholders to negotiate with insurance companies and maximize claim settlements.
However, it's essential to research and choose a reputable public adjuster with experience handling similar claims.
What if the Insurance Company Offers a Settlement That Doesn't Cover All My Expenses?
If the insurance company offers a settlement that doesn't cover all your expenses, you have the right to negotiate for a higher amount.
Provide documentation supporting your additional expenses and be prepared to justify your request for a higher settlement.
If negotiations fail to reach a satisfactory outcome, you may consider seeking legal advice to explore other options for pursuing fair compensation.
Maximize Your Claim
If you need assistance dealing with an insurance adjuster or have concerns about your claim, the Alabama property damage lawyers at Baxley Maniscalco are here to help Alabama residents get the maximum settlement possible.
Our experienced team knows the tactics adjusters use, and we aren't afraid to push back to ensure you receive full and fair compensation.
Contact us today for a free, no-obligation consultation about your insurance claim.