- 1 – Review your policy. Before you speak to an insurance adjuster, make sure you get your facts straight. …
- 2 – Be cautious but helpful. …
- 3 – Be prepared. …
- 4 – Know your rights. …
- 5 – Be honest. …
- 6 – Be polite.
Why do insurance companies use loss adjusters?
Insurance companies appoint a Loss Adjuster to help assess large or complex claims – usually when the claim is above a certain value. As an impartial party in the claims process, the insurer will appoint a Loss Adjuster to establish whether the damage is covered by the insurance policy on behalf of the insurer.
Who pays a loss adjuster?
Who pays the Loss Adjuster’s fee? The Loss Adjuster’s fee is paid by the insurance company. Their fees are paid as part of the insurance claim.
Is a loss adjuster impartial?
A Loss Adjuster is supposed to be impartial but because they are employed by the insurance company their interests lie with the insurer so they may often work to settle claims for as little as possible. … You can respond by asking the adjuster to justify the offer and you can negotiate a better settlement.