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Insurance Adjuster Reveals Claim Process

ia-6Insurance claims are very personal. It means that something or someone is damaged or injured. No one relishes the thought of reporting a claim. Wise Insurance Quotes exclusively reveals the insurance adjuster claim process from the inside out.

Filing a claim is very personal.  The claim filer becomes an “insured” who will be serviced by a “claims representative” or insurance adjuster. Your identity becomes your claim number.

I worked in the insurance claims industry for 30+ years as an adjuster and a manager so I know a good deal about customer relationships. I’m well aware of how the adjuster and customer dealings can become combative.

Insurance adjusters are trained professionals, but it is not an easy job. Most carriers require applicants to have a college degree or equivalent work experience and most states require a separate professional license.

Slash Your Insurance Premiums. Search for Lower Rates The truth is the large majority of adjusters are hard working people who genuinely want to help with your claim. Although you have been through a terrible, life altering experience it’s important to remember that it is not your insurance company’s fault and the adjuster shouldn’t be treated as though it is. Everyone feels they pay too much for insurance but that is an entirely different issue from the handling of your claim.

Unfortunately, the amount you pay in premium or the years you have paid those premiums does not alter whether your claim will be covered. Your adjuster does not write the rules for coverage on your insurance. It’s important to keep emotions out of the process and focus on clear communication.

An insurance contract is a binding contract between the policyholder and the insurance company. Policies are based on what are known as “forms” and then the company may add wording of their own.  All insurance policies are reviewed and approved by the Department of Insurance in the state where it is sold.

Insurance is a regulated industry and insurance carriers have to adhere to a multitude of rules and standards before a policy or change in a policy will be approved. There is absolutely nothing arbitrary or capricious about the process and each company uses essentially the same policy language.

If an adjuster advises you that your claim is not covered, you should be provided with a letter citing the wording in the insurance policy.

Angry words, threats and bullying will not change this. Most companies allow their adjusters to terminate conversations that are out of control. Imagine what it would feel like to have customer after customer distrust you and accuse you of being incompetent.  An insurance claim is a professional transaction and although you may be emotionally overwrought, berating your adjuster is not justified.

Adjusters are trained to try to find a way to pay a claim and regardless of urban legend to the contrary, adjusters’ salary is not based on how much money they save the company.

Adjusters are paid to gather information about a claim, review whether it is covered and assess the amount of damage.  There is no reward given for the number of claims denied or for paying less than the amount that is owed.

My best advice is to be patient, listen carefully and allow your adjuster to be your advocate. Everyone should be working to move your claim along smoothly, which includes answering your questions and addressing concerns. There should never be a reason for harsh words or accusations.