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After the storm winds down, homeowners still have to face a challenge when it comes to getting a settlement – the home insurance adjuster. It’s an intimidating process for many homeowners but it’s part of the process and there are ways you can maximize the payout from your insurance company.
Deschutes Roofing & Insulation, your commercial and residential roofing expert, explains more in this post.
What does the Adjuster Do?
First things first; what exactly does the adjuster do? Their goal is to evaluate your storm damage claim on behalf of your insurance company and determine how much they’ll pay out as a settlement. What’s important to understand about the adjuster is that whether they’re an independent contractor or an employee of the insurance company, their goal is to ensure that the latter pays the least amount of money they’re obligated to.
Keep in mind that as antagonistic as this sounds, they aren’t the bad guys and your insurance company is legally obligated to act in good faith. This is where negotiations are important.
Negotiating with the Adjuster
The adjuster’s first offer to you is always low as it’s a win-win situation for an insurance company. You should never accept it because they always assume that you’ll reject it and will often have a more reasonable one as a second offer. That said, even this second offer is not as good as it seems on paper.
Third-Party Adjusters
What’s important to know about your residential and commercial roofing insurance claim is that you can get the upper hand by understanding the intricacies of your claim. You do this by hiring a third party to assist you in the negotiations, such as another adjuster or a roofing contractor.
At Deschutes Roofing, we know the insurance claim process inside and out – from submitting the claim to processing the final payment and everything in between. Our positive relationships with many local claim adjusters and our years of experience means we can increase the payout of your claim and make the process a more positive experience for you.