March 31, 2025
When disaster strikes and you file an insurance claim, the adjuster assigned to your case plays a critical role in determining how much compensation you receive. While many policyholders trust their insurance company to handle claims fairly, the reality is that adjusters work for the insurance company—not for you. This is why reviewing your adjuster’s actions, reports, and decisions is essential, especially when legal action may be necessary.
The Role of an Insurance Adjuster:
An insurance adjuster’s job is to assess the damage, determine coverage, and recommend a settlement amount. However, not all adjusters are thorough, and some may undervalue claims, overlook critical damage, or misinterpret policy language in favor of the insurance company. When this happens, having proper documentation and reviewing your adjuster’s work can be a key factor in securing the compensation you deserve.
Why Reviewing Your Adjuster Matters:
Identifying Errors and Inconsistencies
Adjusters handle multiple claims at once, increasing the risk of mistakes. A thorough review of their assessment can help spot incomplete damage reports, miscalculations, or overlooked coverage. Even small errors can lead to a significantly lower payout.
Holding Insurance Companies Accountable:
If an adjuster undervalues a claim or unfairly denies coverage, having a record of their inspection, communications, and reports can serve as evidence when disputing the claim. This documentation is often crucial when escalating the issue to legal action.
Providing Key Evidence for Legal Cases:
Lawyers representing policyholders in insurance disputes rely heavily on adjuster reports. By reviewing and documenting discrepancies, homeowners and business owners can strengthen their legal case, ensuring they have the evidence needed to challenge an unfair settlement.
Preventing Bad Faith Insurance Practices:
Insurance companies are required to act in good faith when handling claims. If an adjuster intentionally undervalues damage, delays payments, or ignores policy terms, this could constitute bad faith insurance practices. Reviewing your adjuster’s work helps identify these tactics, providing the foundation for legal action. In many cases, legal teams bring in independent public adjusters or expert witnesses to review the claim. By having a detailed record of your adjuster’s assessment, any discrepancies can be pointed out, helping to justify a higher settlement amount.
What You Can Do:
Request a Copy of the Adjuster’s Report: Always ask for a full breakdown of their assessment, including photos, estimates, and notes.
Compare with an Independent Adjuster: Hiring your own adjuster can provide a second opinion and reveal inconsistencies. Document Everything: Keep records of emails, phone calls, and any discrepancies you notice in the assessment.
Consult a Lawyer: If your adjuster’s report seems inaccurate or unfair, legal professionals can help you challenge the claim.
Protect Yourself and Your Case
Insurance companies rely on policyholders not questioning their adjuster’s findings. By taking the time to review their assessment, you not only protect your financial interests but also create a strong legal foundation if a dispute arises. Whether you’re filing an appeal, negotiating a higher settlement, or pursuing legal action, your adjuster’s report can be a key piece of evidence in your case.
If you believe your insurance company is acting unfairly, don’t hesitate to seek professional legal assistance. The more documentation you have, the stronger your position will be in securing the payout you deserve.