Tips For Meeting With The Insurance Adjuster
When you file an insurance claim, the insurance company will generally follow up by sending out an adjuster. The adjuster will look at any physical property associated with the claim. For instance, if you're making a claim because your car was damaged, they will inspect the car. Your insurance money will be awarded based on their findings. So, what should you do when you meet with this insurance adjuster? Here are a few tips to keep in mind.
Prepare a list of the damage beforehand.
The adjuster is coming out to assess the damage, but generally, you will already have a good idea of the damage that has been done. Prior to the adjustment appointment, spend some time listing out and describing the areas that have been damaged. This way, when the adjuster arrives, you can compare the damage they notice to your own list. If they miss anything, you will have a list to reference as you point it out. With this approach, damage is less apt to go overlooked.
Offer details when asked.
Sometimes visually assessing the damage won't give the adjuster all the information they need. For instance, they may look at a dent or ding and ask whether it was there before the incident. So, while the adjuster is there, you want to make sure you're by their side and ready to offer any details they need. These small details can make all the difference as to how much they say your claim is worth. If you see the adjuster make any false assumptions about the details as they're assessing your property, feel free to jump in and correct them. This isn't rude; it's making sure your claim is entered accurately.
Know your coverage limitations.
Maybe your homeowners insurance doesn't cover flood damage, or perhaps you don't have glass coverage on your car. Review your relevant insurance policy before the adjustment appointment. This way, you won't be alarmed if your adjuster does not look at or focus on certain things that are excluded from your coverage. You may also have a better understanding of why the adjuster names certain types of damage in specific ways — because giving it other names may mean it falls outside of your coverage.
Meeting with an insurance adjuster is an important step along the way as you file an insurance claim. Review the tips above, and your meeting should go smoothly.
Contact an insurance adjuster like Anthony Ricciardi Licensed Public Insurance Adjuster to learn more.
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