Many homeowners dread the thought of dealing with an insurance adjuster following the filing of an insurance claim for storm damage to their roof. It is vital to maintain as much organization as possible and to recall every critical detail your insurance adjuster tells you over the phone or in person. This is to prevent dealing with unanticipated issues, such as claim denials.  

To assist you, consider this article as your guide for communicating effectively with your adjuster.

  1. Maintain a record of your telephone talks. If a disagreement arises later, thorough documenting of conversations and agreements is your escape route. Keep track of the dates and times of all phone conversations regarding the roofing damage and the claims process. Take note of the representative’s name to avoid future confusion. Additionally, it is a good idea to summarize the meeting and send an email to the adjuster outlining the points discussed.

  2. Always maintain a professional demeanor. Filing a claim following a catastrophic event can be extremely frustrating. Given the state of your roof, siding, windows and doors, you may believe your adjuster is being unreasonable. However, it is advisable to maintain a cool and level-headed demeanor. Persistence is necessary but never lose your composure. This may even serve to bolster your case.

  3. Relay information to the adjuster in a timely manner. When it comes to filing insurance claims, nothing beats being organized and proactive. If the insurance adjuster wants to receive an inventory of items affected by storm damage – which the company often does – do not delay getting this information to them.

Resolving a Dispute With an Insurance Adjuster

Identify whether an insurance adjuster is an independent contractor or an employee of the insurance company before allowing them to do a survey on the location of your loss. Make sure you understand what authority the individual has to make decisions on behalf of the insurer and also for the in-house corporate adjuster who will be provided with your information by an independent adjuster if he or she is an adjuster.

Damage to your property should be documented using photographs and video during a roof inspection. Pay close attention to the actions or inactions of the claims adjuster when evaluating your claim. If the adjuster offers you a paltry settlement, you have the option of filing an appeal. A good idea is to get a written response from your insurance company about their position on your claim and make sure the responses expressly contain language that relates to whether or not you received an offer or whether or not your claim was refused.

Whenever you’re dealing with a claims adjustor, keep in mind that he or she is not your friend. To encourage you to settle for less than you are owed, some adjusters will use a variety of tactics. Face your insurer head-on and get the services of a storm damage lawyer.

Legal assistance is required when an insurance provider fails to live up to its obligations under your homeowner’s policy.

5 Best Practices for Dealing With Insurance Adjuster on Disaster Claims

  1. Understand Your Policy

Be familiar with your deductibles, coverage restrictions and reimbursable expenses. For instance, if your home is destroyed by flooding as a result of a heavy rainstorm, your policy may exclude coverage for flood damage. Understanding your policy’s limitations and deductibles will assist you in determining how much of your roof repair costs will be covered by your insurance.

  1. Remain Connected With Your Adjuster

If your property has been destroyed in a large local storm, several insurance companies will send adjusters and claim processors to the disaster region as soon as state and local authorities permit. If the storm was not severe but you know your roof sustained damage, you should contact your insurance adjuster immediately. Insurers want to resolve claims fast to avoid extra property damage, therefore it is critical to engage with them appropriately.

Following their initial visit, your adjuster may have further questions for you. The best strategy is to react promptly to their questions since this will expedite the processing of your claim. Keep in touch with your adjuster and choose the next step in the claims process. If you do not receive a response from your adjuster within a reasonable amount of time, you may contact them directly or contact your insurance carrier.

  1. Review the Report of the Adjuster

When an insurance adjuster discovers a loss following the roof inspection, he or she will create a report explaining what needs to be repaired, what needs to be replaced, and their estimated costs, the insurance adjuster will prepare a written report outlining what has to be fixed and what needs to be replaced, as well as their estimated costs. Many adjusters generate these reports using a replacement cost computer program, and the cost of materials and labor will be based on national or regional averages. The adjuster submits their report to the claims supervisor, who issues a check based on your policy’s coverage and the details contained in the adjuster’s report. The best strategy is to thoroughly analyze the adjuster’s report and to contact them immediately if there are any problems.

  1. Review the Offers of the Adjuster

After your damage is examined and your claim is authorized, your insurance company may contact you to discuss the settlement offer. Contact the adjuster if you are dissatisfied with the settlement offer. When you receive your first check from your insurance company, do not deposit it or forward it to your mortgage company until you have examined the adjuster’s report and determined whether you agree with the expenses.

  1. Talk to Your Insurance Company About Negotiations

If you disagree with your insurance company’s settlement offer following the adjuster’s report, produce proof demonstrating why you believe you are entitled to more money and file an appeal with your insurer.

If you are disappointed with the claims procedure, submit a written complaint; be succinct, polite and professional in your letter. Include the following in your written complaint:

  1. Specific issue or problem, 

  2. Specific request for resolution

  3. Recommended response time frame. 

Ensure that you inquire with your insurance whether they require additional information from you and when they will require it.

Whether you need a roof repair or inspection, you can depend on StormROOF Systems. To book a post-storm roof inspection and evaluation, call (470) 300-1768 or fill out our contact form. Additionally, we will assist you with the insurance claim process.