It is very necessary that you understand that the job of an insurance adjuster is to check if your claims are valid when trying to close a settlement with the lowest or least offer possible. However, before you get to meet up with any insurance adjuster, make sure that you have already reviewed your policy and you know exactly what it excludes and what it covers. This article shares an insight on how to scare insurance adjuster but regardless, you should also be polite and honest when speaking with an insurance adjuster and at the same time, desist from giving out information that isn’t needed or requested for.
How To Scare Insurance Adjuster
One thing you should bear in mind when dealing with an insurance adjuster is that you are going through a negotiations process so patience would be needed if you want to end up getting a good offer. To be smart, also do not make an offer first. There are lots of situations where you would have to deal with an insurance adjuster and take for instance, if you have been involved in a car accident or you suffer property damage as a result of flooding or fire or maybe someone gets injured on your property.
Filing a claim with your insurers simply means that you would have an insurance adjuster assigned to your case. No matter the case, what’s there for you to know is that the insurance adjuster works for the insurance company and not for you which is why his task is to ensure that your claim is valid and has value. Insurance adjusters gets rated on his performance when it comes to closing in quickly on settlements and also with an offer that would not cost the company much.
Below are some tips that you can adopt when dealing with an insurance adjuster;
Be More Familiar With Your Policy
Before meeting with an insurance adjuster, you should take out some time to review your policy and also ensure that you know all that it excludes and all that it covers. You should also be aware of your total coverage limits which the insurer would pay on any claim. What this means is that insurance adjuster only pay for what your policy entails or carries.
Provide Evidence To Back Your Claim
You should also be very thorough when it comes to collecting evidence that would back up your claim. These evidences should include written statements, receipts and estimates, photographs and more. If an insurance adjuster would listen to you then you need to document your evidence properly in a way that it puts you in a good spot during negotiations.
Don’t Be Quick To Accept An Offer
Always have it at the back of your mind that what you are passing through right now is the negotiations process and in some cases, most people tend to be okay and receive the first offer. The way an insurance adjuster is evaluated is by his ability to settle a claims quickly and if you are able to hold out for some more time then the adjuster might just be willing to give in to your own demands.
Another essential thing to note when it comes to accepting an offer during negotiations is you should never be the first person to make an offer. There are times when an insurance adjuster might think your claim could be worth ten thousand dollars but when you go out to make the first offer, you might end up coming out with a five thousand dollar demand so this is why we believe that what you need is patience during negotiations if you are to get the best offer.
Be Concise, Honest And Civil
One thing you should always be is polite when meeting up with an insurance adjuster. Even though they do not work for you, they are just doing their job so make sure that whatever story you tell them is complete. If you lie to have a better negotiation or settlement, have it at the back of your mind that the insurance adjuster is going to carry out some investigation so being honest is the best option that you have.
One more thing you should know is not giving out information that isn’t requested for. Information given out would be used when an insurance adjuster is trying to determine the ideal settlement for you so make sure you are giving out unnecessary information that would reduce your claim or settlement.