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Home Insurance Claim Adjuster Secret Tactics

Home Insurance Claim Adjuster Secret Tactics

Here we are listing Home Insurance Claim Adjuster Secret Tactics that you really need to know. As a homeowner, you’re likely to go through the process of filing a home insurance claim at some point. Whether it’s a small water leak or a more serious issue, you’ll want to make sure you’re doing everything you can to ensure the process goes as smoothly as possible.

One thing you may not know is that home insurance claim adjusters have a few secret tactics they use to try and reduce the amount of money they have to pay out on claims.

Home Insurance Claim Adjuster Secret Tactics

Home insurance claim adjusters are the people that work for the insurance company and are responsible for evaluating and settling claims. Many people think that these adjusters are out to get them, but that is not usually the case. In fact, most adjusters just want to do their job and help people get through a difficult time. However, there are some things that you can do to make the process easier for both you and the adjuster.

First, be prepared when you file your claim. Have all of your documentation ready, including receipts and photographs of any damage. This will make it easier for the adjuster to evaluate your claim and speed up the process.

Second, be cooperative and courteous with the adjuster. Remember, they are just trying to do their job and they may not be familiar with your particular situation.

Giving you a Low-ball Settlement Offer 

When you file a home insurance claim, the adjuster assigned to your case will likely try to settle your claim for as little money as possible. While it is always best to negotiate a fair settlement yourself, there are some tricks that the adjuster may use in order to get you to agree to a lower amount.

One tactic is to offer you a low-ball settlement. This is an amount that is much lower than what you expect or deserve, with the hope that you will take it rather than continue to fight for more.

Another common tactic is to delay settling your claim. The adjuster may drag their feet in order to wear you down and make you more likely to accept a lower offer. They may also try to find reasons to reduce the amount of money they have to payout.


When making a home insurance claim, you may be contacted by a home insurance claim adjuster. This person’s job is to investigate your claim and determine whether or not the damage is covered.
During the investigation, the adjuster may try to discredit your story or downplay the severity of the damage. This is known as gaslighting.

Gaslighting is a technique used to manipulate someone into thinking that they are crazy or that their memories are inaccurate. The adjuster may try to get you to doubt your own perceptions by asking questions like “Are you sure?”, “Did it really happen like that?” or “Are you sure that’s what happened?”

By doing this, the adjuster can make it more difficult for you to get your claim approved. However, you should not let the adjuster bully you into submission.

Requesting a Recorded Statement 

When you are making a home insurance claim, one of the things the adjuster will want to do is get a recorded statement from you. This statement can be used to help determine who is at fault and the extent of the damages. However, there are some tactics that the adjuster may use in order to get a recorded statement from you.

The first tactic is to delay. The adjuster may delay in sending you a claim packet or they may delay in getting back to you. This can be frustrating, but it is important to remember that they are doing this on purpose. By delaying, they are hoping that you will become frustrated and just give them a recorded statement.

Another tactic that the adjuster may use is intimidation.

Giving you a False Deadline

When you make a home insurance claim, the adjuster will often give you a false deadline. They may tell you that they need to have everything settled within two weeks or they won’t be able to help you. What they’re really doing is trying to get you to settle for less than what you deserve. If you’re not careful, you may end up taking a settlement that’s much lower than what you should receive.

The best way to deal with this is to be firm and let the adjuster know that you won’t be settling for anything less than what’s fair. Make it clear that you’re prepared to take legal action if necessary. Be sure to keep track of all of your correspondence with the adjuster, so that if it does come down to a legal battle, you’ll have evidence of their tactics.

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