Insurance companies hire adjusters. They evaluate your claim and decide how much the company will cover for you. Insurance companies aim to shell out the least amount of money, which is also the goal of adjusters. You may be a little intimidated if you’re dealing with them for the first time.
In this post, your local roofing contractor talks about properly dealing with an insurance adjuster.
How to Negotiate With an Insurance Adjuster
Adjusters quickly assess your claim and may offer you the smallest amount possible. This usually causes disagreement between them and homeowners who believe the cost is too low.
There’s no reason for you to get intimidated with your insurance adjuster, however. Insurance providers give low estimates because they know that adjusters will negotiate with their clients. Low offers are a win-win for insurance companies because if you accept them, they’ll save money and when you don’t, they probably have another offer for you.
If the company refuses to cover damages included in the contract or does not address your claim, they are liable for lawsuits. These can be costly and they would do whatever it takes to avoid lawsuits.
Moreover, you should choose a reliable roofing contractor for your home problems like Elite Construction. Our team provides quality storm damage restoration and repairs, making sure that your investment is back in shape and stays protected.
You Don’t Have to Accept the First Offer
If you believe that your insurance adjuster’s offer isn’t reasonable, you have every right to decline it. If they continuously reject your claim or refuse to cover damages, you should consider getting legal advice.
Another thing to remember is that you should only talk with the adjuster when necessary and avoiding providing them a recorded statement. Don’t sign documents from the insurance adjuster without completely understanding its contents.
Keep in mind that anything you say can be used against you. One recorded statement can affect your final payout. If the estimate is unreasonably low, ask them to justify the cost. Seal the deal with a statement in writing to make sure that there are no unnecessary changes in the final settlement.
Trust an experienced local roofing company to handle your home repairs and maintenance. At Elite Construction, we are your leading provider of roofs, siding, and windows. Call us at (720) 446-9633 or fill out our online form. We serve clients in Lakewood, Thornton, and Westminster, CO.