An important, but often underappreciated, aspect of restoration work is working with adjusters to justify your insurance invoices. This is exactly what we do at One Claim Solution. We work with insurance companies and adjusters so you can focus on your restoration work. Here are four tips we have learned regarding how to best work with insurance adjusters.
A strong, working relationship with insurance adjusters will help the claim process go more smoothly now and in the future. The obvious first step to doing so involves making a good first impression. This requires always being on your best since you will likely work with many different insurance companies and adjusters. Nonetheless, a good first impression will go a long way toward improving negotiations in the future and helping your company develop a reputation as reasonable and easy to work with. A strong relationship of mutual trust with an adjuster or a company can save you huge amounts of time and resources in the long run. Simple things like a confident demeanor and being timely with your communication make a difference in that first impression.
Desk adjusters work out of the office and do not go into the field to work on claims. Interactions with a desk adjuster tend to be more formal due to the lack of in-person interactions. The best way to work with desk adjusters is to adhere to all regulations and legal practices exactly. Itemize everything you’re entitled to no matter how small. Adhering to the formal policies and procedures will reduce the likelihood of certain parts of the claim being cut.
Field adjusters serve a similar purpose, but, as their name suggests, they meet you in the field – at a loss site – and will either be a company staff adjuster from the insurance company or an independent adjuster temporarily hired for this claim only. They will assess the damage in person and reach a fair agreement with you. If disagreements arise, it’s best to use non-inflammatory language. For instance, if you disagree with a decision made by the adjuster it’s better so say “I have a concern that…” as opposed “I disagree” or “that’s wrong.”
No matter how strongly you may feel about something, if there is no clear, physical evidence it won’t hold any sway in filing the claim. All aspects of the claim need to be thoroughly, clearly documented. Focusing on opinions won’t get you anywhere and may even hold up your claim.
Overall, working with insurance adjusters is not too complex or difficult, but it does take time. Often, the time needed to do this effectively takes away from time running your business. That’s what we at One Claim Solution are here for. We work with insurance companies and adjusters so you don’t have to. Give us a call today to set up a consultation regarding how we can help your insurance billing run more smoothly.