Wherever you live, whatever you use or wherever you work, accidents are a part of life. Some you can see coming and know there is little you can do to stop them, while others show up out of the blue and shatter the world you know and replace it with an entirely new reality. In each scenario, you can easily feel overwhelmed and unequipped to face the rebuilding process. Fortunately, one does not have to face these situations alone. These are the cases for an insurance appraisal.
An insurance adjuster’s job is to work with you and the insurance company to come up with an agreement that anyone can accept. Depending on whether they represent the insurance company or the client, they will work to make that asset the best possible outcome. That’s why when you’re a victim, it’s best to have an independent adjuster who has your back and is willing to fight for your needs.
Job of an Insurance Adjuster
When dealing with an accident or natural disaster that leaves you in need of an insurance adjuster, it is essential that you understand their role in the scenario and your own responsibilities.
- Gather all the paperwork you have regarding the situation.
- Get before and after pictures if possible.
- Be civil and willing to listen and let the setter do the talking.
- Never make the first offer!
- Document everything. Write down facts, numbers, hours and people you talk to; Considering recording these elements as much as possible.
Duty of Loss Adjuster
- Examine the damage. This is the first step regardless of the type of accident or disaster.
- In the event of an accident, they will review police reports and speak to any witnesses.
- Report the details of the accident or disaster to the insurance company.
- Identify where the obligations are
- Compile a damage report so financial losses can be assessed.
- Become an intermediary between interested parties
- Determine the appropriate amount of compensation
Note that at your first meeting with an adjuster, you will likely need to make a recorded statement and sign a medical authorization form if the claim is of a medical nature. Accordingly, if you are not ready to make a statement immediately after the incident, it may be acceptable to request a short time before speaking.
When you get your role right and provide the tuner with the information he needs, you can be better than the reel you’re offering and get what you need to move forward from the situation. Take your time, speak calmly, and – eventually – your adjuster can help you get to the other side.