In the fast-paced world of insurance claims, every second counts. When a claims adjuster calls, it’s crucial to have the answers they need at your fingertips. Failing to be responsive in these critical moments can have far-reaching consequences, both for your business finances and your reputation. In this blog post, we’ll explore the hidden costs of being unresponsive and why having timely and accurate information is essential in getting paid faster.
By not being responsive to the claim adjuster’s calls, you risk prolonging the claims process. Adjusters often have tight timelines to investigate and settle claims. If they are unable to reach you, it can cause delays in gathering necessary information, assessing damages, and ultimately reaching a resolution. This can result in an extended timeline for receiving claim payouts and moving forward with necessary repairs or replacements.
According to Madalyn Morgan, Senior Claims Team Lead at One Claim Solution, there’s also the risk of losing money when answers are immediately available when an adjuster calls in.
“When an adjuster calls OCS and is ready to go over the invoice, they’re usually ready to pay it and get it off of their plate,” said Madalyn. “Not having or providing the answers when they need them could lead to them getting frustrated, writing a comparative, or removing line items from the invoices since they don’t understand why those line items were needed.”
Claim adjusters often rely on documentation and evidence to evaluate and settle claims. If you fail to respond to their calls, you may neglect providing crucial documentation such as receipts, photos, or other supporting evidence. Incomplete documentation can weaken your case and may result in a lower settlement offer or claim denial.
“If you don’t have supporting documentation, knowledge of the federal and state guidelines, the IICRC backing and the exact debate definitions, then you’re going to be up a creek without a paddle,” said Josh Ehmke, Co-founder and General Counsel of One Claim Solution. “Our goal is to get our clients paid more, so we’ll work with them to get the information needed to help justify their bill and back up their invoices.”
Building a good working relationship with the claim adjuster can be beneficial throughout the claims process. Unresponsiveness can strain this relationship and potentially create an adversarial dynamic. A strained relationship may make it harder to negotiate a fair settlement or resolve any disputes that arise during the claims process.
“Adjusters like to take things personal. We get adjusters calling OCS all of the time saying they’ve reached out to the contractor directly, and haven’t received an answer. Most of the time they are very frustrated,” said Madalyn. “We have to explain that we’re handling the billing, and they can communicate with us per the documentation we sent. They sometimes won’t even look at an invoice or send a payment until they talk to the contractor or OCS.”
Madalyn said constant, reliable communication and taking out the emotion that contractors and homeowners may experience during the billing process has helped her maintain good relationships with adjusters.
“One of my favorite parts of my job is the relationships that we build with the adjusters. It seems like everyone on my team each has one adjuster they work really well with, and we’re all able to work together to make sure our customers get paid.”
To avoid these hidden costs, it is crucial to be responsive and maintain open lines of communication with the claim adjuster. Promptly return their calls, provide requested information, and address any concerns or questions they may have. By doing so, you can help expedite the claims process, ensure accurate documentation, and foster a more productive relationship, ultimately leading to a smoother and more satisfactory resolution of your claim.
At One Claim Solution, our team of claim advocates is expertly trained to handle all communication with adjusters, ensuring a smooth and efficient process for your claims. To learn more about how we can support your business growth and help you navigate the claims process with ease, we invite you to subscribe to our newsletter.