When you file an insurance claim, you expect to receive a fair settlement. But what happens if you disagree with the findings of the public adjuster assigned to your case? The best way to approach an insurance claim dispute is calmly and courteously. The first step is to file a complaint with the insurance company. They must grant you this right and assign someone from the insurance company to analyze the facts of your case and determine if the adjuster made a mistake.
If an internal review doesn't override the adjuster's decision, you can file an official complaint against the insurance company. When writing a letter to the independent appraiser, explain why you think your full settlement isn't sufficient compared to what you calculated. Even if you're upset, don't show it in the letter. If you behave cordially in this process, you have a much better chance of obtaining a positive outcome.
You'll receive news from the claims adjuster within ten to fourteen days. Rather than legally challenging the amount of a claim and going to court, you can negotiate with the insurance company. They aren't eager for a lawsuit to end up in court any more than you or the other driver. Ask if your claim can be reviewed again based on your new evidence, or if the appraiser can re-examine the damaged or lost property.
Errors occur and the adjuster may have miscalculated the estimate. The company could review it again, but that doesn't mean that the liquidation offer will change. They may not even agree to have another adjuster evaluate their damage or loss. If that's the case, the next step is to obtain a third-party assessment. It's important to remember that when dealing with an insurance claim dispute, it's best to remain calm and courteous throughout the process.
This will give you a much better chance of getting a positive outcome. You should also be aware that it may take up to 14 days for you to receive a response from the claims adjuster.
