What Not to Say to a Home Insurance Adjuster
When dealing with a home insurance adjuster, it’s essential to be cautious about what you say to ensure you don’t inadvertently harm your claim. Here are some things you should avoid saying:
1. Admissions of Fault
Avoid making statements that suggest you were at fault or negligent, even if you believe you might have been. For example, avoid saying things like “I should have fixed that” or “I knew that was a problem.”
Stick to the facts. Don’t guess or speculate about the cause of the damage, the extent of the damage, or the cost of repairs.
3. Giving a Recorded Statement
Unless required by your policy, be cautious about giving recorded statements, especially without consulting with a professional or understanding the implications. If your insurance company is requesting a recorded statement, please contact us for a free consultation to see if you need professional guidance.
4. Finality on Damages
Avoid making definitive statements like “That’s all the damage” before a thorough assessment. There might be hidden damages that aren’t immediately apparent.
5. Accepting the First Offer
Be wary of statements like “That sounds good” when presented with an initial settlement offer. It’s essential to review and understand the offer thoroughly, and you have the right to negotiate.
6. Discussing Financial Strains
Avoid discussing your financial situation or expressing desperation for a quick settlement. This might make you seem willing to accept a lower settlement.
7. Using Absolute Terms
Avoid using absolute terms like “always” or “never.” For instance, instead of saying “I never lock the back door,” you might say, “I usually lock the back door.”
8. Discussing Other Claims
It’s best not to mention previous insurance claims or lawsuits unless specifically asked.
9. Settlement Amounts
Avoid mentioning any specific settlement amounts you have in mind or what you believe your claim is worth until you’ve fully assessed the damages.
10. Hiring Professionals
Don’t say things like “I don’t think I’ll need a contractor” or “I won’t need a public adjuster.” It’s essential to keep your options open.
11. Personal Opinions
Avoid sharing personal opinions about the insurance company, the adjuster, or the claims process. Stick to the facts of the claim.
12. Verbal Agreements
Be cautious about agreeing to anything verbally. It’s always best to get any agreements or promises in writing.
Final Thoughts: Remember, the insurance adjuster represents the insurance company’s interests. While many adjusters are professional and fair, their primary job is to minimize the company’s payout. It’s essential to be cautious, clear, and factual in your communications to protect your interests. If in doubt, consider consulting with the public adjusters at Elite Resolutions.