The Bankrate promise
At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation of . Our content is backed by Coverage.com, LLC, a licensed entity (NPN: 19966249). For more information, please see our .
If your home insurance claim has been assigned to an adjuster, you might be wondering, “What does a home insurance adjuster do?” In a nutshell, the adjuster is responsible for investigating the loss, assessing the damage and calculating a fair settlement. If you are currently dealing with an active home insurance claim, it’s important to prepare for the adjuster’s visit and follow up afterwards to keep the claim process moving forward.
- A home insurance adjuster is responsible for investigating insurance claims.
- Most adjusters are employed by insurers and don’t charge policyholders for home visits.
- To dispute a claim, you can hire an independent adjuster who only works for you.
How to prepare for a home adjuster’s visit
When you file a claim, your home insurance company will typically set up an appointment for a home insurance adjuster to visit. Knowing what to expect from home insurance adjusters can help you get ready. Here’s a brief step-by-step guide to preparing for a home adjuster visit:
- Document the damage: Before the adjuster arrives, you should make sure to document the exact time and date of the incident and write down any other details that may be helpful. Taking photos of the damage or loss will also be helpful to provide to the adjuster.
- Collect helpful documents: Collect documents that the adjuster can use for evidence as part of the decision-making process. Some of the documents you may want to have ready are witness statements and contact information, photos or videos taken of the damage, and receipts or estimates for repairs or for the items that were lost, stolen or damaged.
- Plan to be home during the visit: Although you are not required to be present for the visit, it’s a good idea to be home to answer questions and make sure the adjuster does not overlook anything. You may want to have some estimates ready to compare to the adjuster’s findings.
- Ask about next steps: Before the adjuster leaves, be sure to ask what you should expect as a next step. Most states require insurance companies to respond to a claim filing within a specific period of time, so ask the adjuster how long it typically takes to receive a response about your claim.
What to do after a home adjuster’s visit
Once the insurance adjuster leaves, you will probably have some “homework” to do. It is essential to act quickly and respond to any requests as soon as possible. The longer you take, the longer it will be before you receive a payout.
1. Send your list of damaged property
Depending on the damage, you may need to provide the adjuster with a list of lost or damaged property. Making a list is typically the best way to itemize your losses.
Be sure to include the estimated value of each item and any photos or receipts. It may sound like a lot of work, but it is important to remember that insurance companies need detailed information to replace your items or reimburse you for them. If you do not already have one, it may be a good idea to start a home inventory to help with any future claims.
2. Submit other requested documents and paperwork
The insurance adjuster may request additional receipts or documentation. For example, the adjuster might ask for paperwork to determine when the roof was last replaced or when the electrical system was last inspected, to check if there’s any question of homeowner negligence. If you’re trying to use your medical payments coverage, you may need to provide medical records from recent doctor’s visits if the damaging event caused injuries. Remember to send your records as soon as possible; your entire claim can be held up if you forget to complete this stage in the process.
3. Respond to the home insurance adjuster as soon as possible
Be on the lookout for further phone calls or emails in case the adjuster has additional questions. When responding to further questions, make sure you are confident when talking about the incident and what happened. Be prepared with the right information to prove that the claim was the result of a covered loss, rather than homeowner negligence or an accident.
4. Follow up
Feel free to follow up after you submit any requested documents or around the time you believe a claims decision should have been made. The insurance adjuster should let you know roughly how long it will take to investigate and settle the claim, but there’s no guaranteed timeline. If you don’t hear back from the adjuster, it’s a good idea to follow up once per week to see how things are progressing and if they need any additional information from you.
How much does a home adjuster cost?
In most cases, a home adjuster works for the insurance company. They do not charge you a fee because the carrier pays them.
If you choose to hire an independent home insurance adjuster, they typically take a percentage of the claim (around 10 to 15%) instead of an upfront fee. If your home burned down in a fire and you dispute your insurance carrier’s offer and eventually agree to a payment of $300,000 to rebuild, the independent adjuster could earn a fee of $30,000 to $45,000. Although it sounds high, the fee may be worth it if you have trouble getting a fair settlement offer from the insurance company.
How to dispute an insurance claim
As mentioned, there are occasions when you may want to hire your own independent adjuster. The main reason is usually that you do not agree to the insurance carrier’s offer, or the company may have outright rejected your claim. You do not have to accept an offer you believe is not favorable. You could refrain from accepting and counter the offer.
To dispute a home insurance claim, start by speaking with your insurance company’s customer service about the offer and request a written breakdown explaining how they came up with the amount. Provide the information to the independent adjuster so they can build a case in your favor.
The adjuster could provide a second, more objective opinion that could help you negotiate a better settlement from your insurance company. Keep in mind that they need time to investigate the claim and prepare a response backed by their professional findings to help you potentially win a more favorable payout.