Understanding What Fire Damage Claims Adjusters Do


Whether you're looking to hire a fire damage claims adjuster or you're curious about how they do the job, it can be helpful to understand their role in the process. Look at four things you can expect from the adjuster assigned to a fire damage claim.

They Act as an Independent Party

While an adjuster has a legal responsibility to represent the interests of whoever hired them, they are expected to remain independent of that party's self-interests. Suppose an insurance company hired an adjuster to visit the site of a fire at a restaurant. The adjuster has a responsibility to faithfully report what they've encountered, but it's not their job to get the insurance carrier the best deal. This applies even if they're directly in the employ of the insurance company. Note that many companies contract out these adjusters, especially if they're in large, rural regions with small populations.

If you're a private citizen filing a claim, it's worth noting that you do have the right to hire your own adjuster. Comparing and contrasting the two reports can be very informative, especially if you need help negotiating a settlement, appealing a rejection, or filing a lawsuit.

Validation of Claims

The primary goal of an adjuster is to assess the validity of a claim. They will gather as much of the available evidence as possible to verify that the claim is compensable within the terms of the contract. Presuming the claim checks out and there aren't any strong signs of fraud, the adjuster will move to assess the claim for settlement purposes.

Binding Power

When an insurance company appoints an adjuster, this includes binding power. That means they have the right to asses the monetary damages that can be claimed and to settle the claim. They also will inform you if a settlement offer has exceeded the limits of the insurance policy. If this is the case, you may need to retain counsel if you wish to sue for more money. If an adjuster proposes a settlement and you want to take it, the adjuster has the legal authority to enter into an agreement with you and bring the matter to a conclusion.

Addressing Smaller Questions

Many small questions emerge in the settlement of claims. For example, will you have the right to salvage items from the building where the fire occurred? An adjuster can give you an explanation of what the insurance company's position is regarding salvage. You can contact fire damage insurance claims adjusters through websites such as disasterrecoveryadjustersllc.com.

About Me

Finding A Better Insurance Plan

When I found out that my wife was pregnant, I was just as nervous as I was excited. I realized that our health insurance wouldn't cover the entire bill, but I had no idea how bad it would really be. After the baby came, we were slapped with steep, overwhelming medical bills and it was really frustrating. After having that experience, I decided to shop around for another insurance plan that would cover us better. Check out this website to learn more about insurance in general, so that you aren't left wondering what to do with your family health insurance plans.

Latest Posts

29 July 2021
Are you an executor for an estate that includes the late person's primary or secondary home? If so, you have a fiduciary responsibility to the estate

16 June 2021
When you get auto insurance for your vehicles, you may assume that it can't change unless there is a significant life change, such as a marriage, a di

27 May 2021
As a vehicle owner, your car insurance premium is not set in stone. There are many different ways you can adjust the coverage you have and save a litt