Let’s assume you’ve filed a claim due to the occurrence of an insured peril that damaged your home and property. Adjusters and insurance companies will go to whichever lengths pay the least amount possible, or worse, wrongfully deny your claim for their financial interests. They do so in the hope that you’ll not question the decision or even push back.
Inarguably, the responsibility of the insurance company is to indemnify you, meaning they should put you back to the same position you were before the insured risk occurred. So, if you’re wondering what to do if you disagree with insurance adjuster? Discussed below are your options;
File a Dispute
Make sure you analyze the policy coverage and the initial paperwork you sent before approaching either the insurance agent or the company, or both. Probably, you forgot some photos, and videos of the damaged parts of your home. Get those plus estimates and receipts of any materials you never included.
Allow the insurance company time to relook the additional damage evidence you’ve provided and follow the instructions they give keenly. Mistakes due to omissions or miscalculations can never be ruled out.
Hire a Public Adjuster
Would you like your claim resolved without resorting to an appraisal? You can consider hiring a public insurance adjuster. A public adjuster is an independent insurance adjuster separate from the insurance company itself who’ll help you negotiate claims with your insurance company.
Make sure that the Texas Department of Insurance licenses the public adjuster you choose. Public adjusters cannot grant legal advice or take part in the construction of the damaged property.
Consider an Appraisal
You’ve approached your insurance company, but they still insist on the initial settlement. That is where the appraisal process begins. According to the Texas Department of Insurance, the appraisal only happens when there’s a dispute in the amount paid.
In the appraisal process, both you and the insurance company have to hire an appraiser, and the two appraisers have to hire a third appraiser knows as an umpire. After that, your appraiser and the insurance company’s appraiser will estimate your loss independently.
If it happens that the appraisers make totally different estimates of the loss, then the umpire becomes the final decision maker, which will be binding on both you and the insurance company.
File a Lawsuit
You’re still not sure what to do if you disagree with insurance adjuster. And that’s despite complying with all the policy terms, providing proof of loss, trying the appraisal process and other legal avenues.
It’s time to sue your insurance company’s adjuster. As a policyholder, that’s akin to mistreatment or poor business practices, and you should hire an attorney to file a lawsuit against the insurance company.