Why do insurance companies send adjusters?
Auto insurance claims adjusters who work for insurance companies are hired to primarily investigate claims. Think of a detective that has to fact-check every aspect of a case to determine the party at fault and prevent cases of fraud.
Do insurance companies call contractors?
Many insurance companies will provide policyholders a list of contractors with whom the insurance company is familiar. The insurance company may even suggest a contractor. In some cases, the insurance adjuster will call in contractors to secure the home and take steps to minimize further loss.
Why do insurance companies want to settle?
If it is clear that their insured is at fault for an accident, the insurance companies will want to settle any potential claims as quickly as possible so that they will not be responsible for any future medical and personal expenses.
Is the Home Insurance Adjuster an employee or contractor?
It’s important to note that the home insurance adjuster is a paid employee or independent contractor of your insurance company. Like any good employee, the adjuster’s goal is to protect the insurance company’s bottom line. From a financial standpoint, insurance companies want to pay the the least amount of money they’re legally obligated to pay.
Can an insurance company force you to hire a contractor?
Sometimes the insurance company will directly call a preferred contractor to perform emergency work or ”assist” the insurance company adjuster. Try though they may, an insurance company or anyone else for that matter, cannot force you to enter into contract with anyone for anything.
Should I get an adjustment on my Home Insurance?
However, if you are in the former, pursuing an adjustment should definitely be on your to-do list. If you believe the home insurance adjuster’s estimate was too low, you need to contact your insurance company, not the adjuster specifically. Have them walk you through the estimate, explaining why the adjuster listed various costs.
How can a public adjuster help my home insurance claim?
If you need help dealing with an insurance adjuster or getting a fair assessment and settlement for your claim, a licensed Public Adjuster can provide crucial expertise and assistance. You shouldn’t be intimidated when negotiating with your home insurance company’s adjuster.