How Can I Best Deal with a Claims Adjuster?

No matter whether you incur fire, flood, storm, theft, or vandalism damages to your home, you may seek financial recovery through your homeowners’ insurance plan. But it is rather unlikely that your insurance company will take your word on how much you need in financial relief at face value. Instead, they may send out a claims adjuster to visit and inspect your property before you see so much as a penny sent your way. With that being said, please follow along to find out how to best deal with a claims adjuster scheduled to visit your property and how one of the proficient New York residential property damage claim attorneys at The Law Office of Craig A. Blumberg, P.C. can help you navigate this critical step in your homeowners’ insurance claims process.

What is the role of a claims adjuster in my homeowners’ insurance claim?

Simply put, a claims adjuster, also commonly referred to as an insurance adjuster, investigates your filed homeowners’ insurance claim by visiting your property, examining its damages, and ultimately ruling on the amount of financial compensation your insurance company should offer you to cover your losses. Unfortunately, it is more common than not for a claims adjuster to lowball the amount of payout you require. This is because they work directly with your insurance company to help them meet their bottom line. To counteract this, you may have to hire a public adjuster.

Essentially, a public adjuster will similarly visit your property, examine its damages, and ultimately conclude whether the claims adjuster made a fair assessment. With this, they may offer a more neutral quote for your damages, which will most likely be a higher rate than what the claims adjuster set.

How can I best deal with a claims adjuster visiting my property?

Before jumping the gun and retaining a public adjuster, you may make your best efforts toward making your claims adjuster’s visit productive and worthwhile. To do so, it may be in your best interest to follow the below tips:

  • Make an itemized list of the personal belongings and property fixtures damaged in the event in question.
  • Practice using thoughtful language when describing your property damages that align with your policy’s language.
  • Practice using thoughtful language when describing the event that caused your property damage that does not insinuate you are to blame.
  • Study the specifications of your damaged property fixtures should questions surrounding them arise during the visit.
  • Obtain actual quotes from construction or contracting companies that estimate the cost of repairing or replacing your damaged property.
  • Gather tangible receipts for the additional living expenses you have incurred with being unable to live on your property after its damage.

There is no need to remain hesitant when you have one of the talented New York residential property damage claim attorneys on your side and supporting you. So please inquire with us at The Law Office of Craig A. Blumberg, P.C. at your earliest possible opportunity.