The insurance claims adjuster hired by your insurance company will not always act in your interest. The adjuster has two diametrically opposed incentives acting on his behavior. He wants to keep the expenditures of the insurance company as low as possible. He also doesn't want to anger the customer so much that he may lose the business to another company or the police holder would file a lawsuit due to a failure to pay sufficient claims. Your own claims adjuster can give you a potentially more objective evaluation of your insurance claim.
Job of Claims Adjuster
Insurance claims adjusters evaluate the damage done to property and appraise the cost of repair. They don't decide how much money the insurance company will need to pay out in claims. That's the job of other agents within the company. Claims adjusters need to have a good grasp of the value of the damaged asset and the costs of any replacement parts or repair services that may be necessary.
Dealing with Claims Adjuster
Be courteous with your claims adjuster. Be prepared to show the damage clearly. If you have already received price quotes for the repair of the property--whether it's a car or house--have them prepared to show the adjuster to better inform the decision. They will not necessarily use the price quotes you provide as a guideline, but it does set a boundary for how he will evaluate your claim.
Finding Public Claims Adjuster
The expense of hiring an independent claims adjuster will come out of your pocket, but in some cases it may be worth it, particularly if the adjuster your insurance company sent failed to give you a favorable evaluation. Contact your state insurance department to check if you're dealing with an authorized claims adjuster. Try to move fast on hiring an adjuster, as the sooner you can provide the data to your insurance company, the faster you'll receive payment. There are also usually time limits for submitting claims.
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