What Usually Happens During a Meeting with a Home Insurance Adjuster?

Knowing that a home insurance adjuster in Florida is coming to your property for a meeting and assessment should be something to look forward to, as it is the first step in getting your home repaired after an unforeseen disaster. However, if you are like other homeowners, the thought of having an insurance adjuster walking around your home only makes you nervous. 

There are so many stories of home insurance adjusters doing all they can to lower the value of a homeowners insurance claim in Florida, making it hard not to feel a little anxious. Is this person coming to your door going to be on your side?

The short answer is – no. Don’t be deceived by advertisements and wide smiles, a homeowners insurance adjuster’s job is to provide clients with as little as possible without breaking the contract. 

This is not to say that insurance adjusters are bad, rude, or inconsiderate people. It is merely a fact that their job description goes against your best interests, almost like how police officers shouldn’t be blamed when they need to make an arrest.

What Does a Florida Home Insurance Adjuster Need to Do?

To wipe away some of your understandable stress regarding a home insurance adjuster en route, it helps to know what they are going to do once they arrive. Most people assume that a house insurance adjuster will show up, shake hands, and get them a coverage estimate right away. It would be nice, yes, but this is not how the process works.

Depending on how badly your home was damaged, the adjuster could be inspected for an hour, two hours, or the better part of a day. Surprisingly, subtle damage, like water damage caused by a burst pipe in the second-floor bathroom, can take longer to assess than catastrophic damage, like that caused by a large house fire.

You want the adjuster to be thorough, though. If they miss something that you find later, the insurance company is going to write it off as something you just caused and that is not their responsibility.

After completing an assessment, the homeowners insurance adjuster must file a report with their own office. The parent insurance company will then take up the report after several days, complete its own “double-check” of the report, and start calculating the cost of materials and labor to make the repairs. All in all, the best insurance company may still take weeks or months to complete a job due to the usual hurdles.

Hiring an Independent House  Insurance Adjuster in Florida

When facing property damage, the process of filing an insurance claim can be daunting. In Florida, where weather-related damages are frequent, homeowners often find themselves navigating the complexities of property damage claims. 

Unlike adjusters employed by insurance companies, independent homeowners insurance adjusters work solely for you, the policyholder. Their primary goal is to evaluate the extent of the damage accurately and to help you file your insurance claim to maximize your compensation.

The benefits of hiring an independent home insurance adjuster in

• Advocacy: Dealing with insurance companies can be overwhelming. An independent home adjuster acts as your advocate, handling negotiations with the insurance company. This can be particularly crucial in complex insurance claims where substantial property damage has occurred.
• Maximizing Your Claim: Perhaps the most significant benefit of hiring an independent homeowners insurance adjuster is their ability to maximize your claim. They understand the nuances of insurance policies and will fight for every dollar you are entitled to under your policy.
• Saving Time: Handling insurance claims can be time-consuming. With an independent insurance adjuster, you have a professional taking care of all the details, allowing you to focus on other important aspects of your life, particularly in times of stress.

Hiring an independent home insurance adjuster is particularly advisable under the following circumstances:

• Severe Property Damage: In cases of significant damage where the claims process is complex and the stakes are high.
• Disputes with Your Insurance Company: If you find yourself disagreeing with the assessment provided by your insurer’s adjuster.
• First-Time Claimants: If you are inexperienced with insurance claims, an independent adjuster can guide you through the process, ensuring you understand your rights and options.

If you’re facing a difficult claim, or if you simply want the peace of mind that comes with professional assistance, consider engaging an independent adjuster to advocate on your behalf. This step could significantly affect the outcome of your claim, bringing about a fair and just resolution that allows you to move forward.

Other Things You Can Do When Dealing with Home Insurance Claims

Taking care of a homeowner’s insurance claim does not only fall into the lap of the insurance adjuster. There are things you can do to make matters easier on yourself.

When you file a homeowner’s insurance claim in Florida, you should:

• Prepare Ahead of Time: Catalog all of the damage yourself, taking photographs of key areas and expensive property that has been ruined, such as electronics, furniture, and appliances. Ideally, you will have already cataloged everything yourself before disaster struck, so you can clearly show a before-after comparison of the damage. This will make the adjuster’s job easier and faster, which directly benefits you.
• Not Sit and Wait: After the home insurance adjuster comes and goes from your property, you have not yet reached a point where you can rest comfortably and hope for the best. Make a point of frequently checking in with the insurance company and the adjuster if you have their own office information, as well as any contractors that might be assigned to the repair job. Let them know that you are waiting and you might just put a quickened pace in their steps.
• Call a Homeowners Insurance Claim Attorney: Bad faith insurance is a serious concern for all homeowners. Even if you feel you can completely trust your insurance policy provider, they could inadvertently make a huge mistake that costs you, not them, in the end. Letting an attorney oversee the handling of your claim will cut out any chance that you are mistreated.

Are you anticipating a meeting with a home insurance adjuster? Consult with The Morgan Law Group and our Miami insurance claim attorneys to put an award-winning team of legal professionals in your corner. We can even get you started with a free initial consultation if you aren’t sure you need an attorney for your case. All you need to do is call (844) 818-0774 or contact us online to begin.