How to Negotiate with Home Insurance Adjusters? Everything You Need To Know

When your home suffers damage from a natural disaster, fire, theft, or vandalism, you may need to file a claim with your home insurance company.

However, getting a fair settlement from your insurer is not always easy.

How to Negotiate with Home Insurance Adjusters
How to Negotiate with Home Insurance Adjusters| CLAIMSMATE

You may have to deal with a home insurance adjuster who is trained to minimize the amount of money the company pays out.

A home insurance adjuster is a person who works for the insurance company to assess the damage to your home and determine how much your claim is worth.

They may visit your home, inspect the property, interview you and any witnesses, review your policy, and make an offer based on their findings.

However, you do not have to accept the first offer from the adjuster.

You have the right to negotiate with them until you reach a satisfactory agreement.

Here are some tips on how to negotiate with home insurance adjusters and get the most out of your claim.

ALSO READ: Does USA Home Insurance Cover Solar Panels? Everything You Need To Know

Understand Your Policy and Coverage

Before you file a claim, you should review your home insurance policy and understand what it covers and what it excludes.

You should also know the limits and deductibles of your coverage, and how they affect your claim amount.

Your policy may have different types of coverage for different types of damage, such as dwelling, personal property, other structures, loss of use, liability, and medical payments.

Each type of coverage may have a different limit, which is the maximum amount the insurance company will pay for that category.

Your policy may also have a deductible, which is the amount you have to pay out of pocket before the insurance company pays the rest.

For example, if you have a $1,000 deductible and your claim is worth $10,000, the insurance company will only pay you $9,000.

Your policy may also have some exclusions, which are situations or events that are not covered by your insurance.

For example, some policies may not cover damage caused by floods, earthquakes, mold, or wear and tear. You should be aware of these exclusions and how they may affect your claim.

Document the Damage and Gather Evidence

One of the most important steps in negotiating with home insurance adjusters is to document the damage to your home and your personal belongings as thoroughly as possible.

You should take photos and videos of the damage, and make a detailed inventory of everything that was lost or damaged, including the date of purchase, description, and cost of repair or replacement.

Keep copies of any receipts, invoices, estimates, appraisals, or other documents that can prove the value of your property.

You may also need to provide evidence of the cause of the damage, such as a police report, a fire report, or a weather report.

Keep records of any communication you have with the insurance company and the adjuster, such as phone calls, emails, letters, or texts.

You may need to refer to these records later if there is a dispute or a misunderstanding.

Get Multiple Estimates from Contractors

Another way to negotiate with home insurance adjusters is to get multiple estimates from contractors who can repair or rebuild your home.

The adjuster may provide you with an estimate based on their inspection, but you do not have to agree with it.

Get your own estimates from reputable and licensed contractors who can give you a more accurate and realistic assessment of the damage and the cost of repair.

You should get at least three estimates from different contractors, and compare them with the adjuster’s estimate.

Check the credentials and references of the contractors, and make sure they have the necessary permits and insurance to do the work.

You should also be wary of any contractors who offer to do the work for a lower price than the adjuster’s estimate, or who ask you to sign a contract before you get the insurance company’s approval.

These contractors may be trying to scam you or do a poor job.

Be Persistent and Don’t Take the First Offer

When you receive an offer from the adjuster, you should not accept it right away.

Review it carefully and see if it matches your expectations and your evidence.

You should also consider the impact of the damage on your home’s value and your quality of life.

If you think the offer is too low, you should reject it and explain why.

You should also make a counteroffer that is reasonable and supported by your evidence.

Be polite and professional, but also firm and confident.

Be prepared to negotiate back and forth with the adjuster until you reach a mutually acceptable agreement.

You should not give up or settle for less than you deserve. You should also not let the adjuster pressure you or rush you into making a decision.

Have the right to take your time and consult with a lawyer or a public adjuster if you need to.

Hire a Public Adjuster or a Lawyer

If you are unable to negotiate with the home insurance adjuster on your own, or if you are unhappy with the outcome of the negotiation, you may want to hire a public adjuster or a lawyer to help you.

A public adjuster is a person who works for you and represents your interests in the claim process. They can inspect the damage, review your policy, negotiate with the insurance company, and handle all the paperwork and communication for you.

They can also help you get a higher settlement than you would on your own.

However, hiring a public adjuster comes at a cost.

They usually charge a percentage of the claim amount, which can range from 10% to 25%.

You should also make sure that the public adjuster is licensed, experienced, and reputable.

A lawyer is another option if you want to take legal action against the insurance company.

An attorney can help you file a lawsuit or a complaint if you think the insurance company is acting in bad faith, or if you have a dispute that cannot be resolved through negotiation.

A lawyer can also help you get compensation for any damages that are not covered by your policy, such as pain and suffering, emotional distress, or punitive damages.

However, hiring a lawyer can also be expensive and time-consuming.

You may have to pay a retainer fee, an hourly rate, or a contingency fee, which is a percentage of the award or settlement.

Be aware of the risks and uncertainties involved in litigation, and the possibility of losing the case or getting a lower amount than you expected.


Negotiating with home insurance adjusters can be challenging, but it is not impossible. You can get a fair settlement for your claim if you follow these tips:

1.Understand your policy and coverage
2.Document the damage and gather evidence
3.Get multiple estimates from contractors
4.Be persistent and don’t take the first offer
5.Hire a public adjuster or a lawyer if needed


Leave a Comment