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What should you do if you disagree with your home insurance adjuster?
We filed a claim for roof damage with our home insurance. We had a roofing company come out and give us an estimate on the damage. Our home insurance adjuster came over last week and also reviewed the damage. The adjuster is saying the work is going to cost $1,000 less than what we were quoted. What can we do if we disagree with our home insurance adjuster?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
I’m sorry to hear this is happening. I’m sure you’re frustrated. Luckily, you have options if you disagree with your home insurance adjuster.
To start, you’ll want to reach out to your
home insurance
adjuster directly. They should provide you with a detailed report and information on how they came to the repair cost. If you still disagree with their estimate, write them a letter. In this letter, you’ll want to detail why you don’t agree with their assessment and provide any proof, like your original estimate and photos of the damage. You can request that the adjuster review your claim again.
Also, ask that they visit your home a second time to review the damage with the roofing company or another independent adjuster. Having everyone come together to review the damage may give you an advantage.
If that still doesn’t work, you can file a complaint with your state’s Department of Insurance. Since insurance is state-regulated, every insurance company must follow specific rules and regulations.
Finally, if you’re still unable to come to a resolution, it may be worth visiting a lawyer. Most claim lawyers offer free consultations, allowing you to discuss your case and determine whether it’s worth pursuing.
Since you’ll likely be looking for a new home insurance company when all is said and done, try using the
Jerry
app to find your next policy. Jerry is the easiest and most effective way to find a home or renters insurance policy that is customized for you. You can even bundle your policy with your car insurance for the most savings. View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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