Written by Andy Gurczak

October 12, 2021

Insurance Adjuster Shortage

What Happens if There is an Insurance Adjuster Shortage?

If you live in an area that is hit by a severe hurricane, tornado or flooding, you may be one of many people whose property is severely damaged. Consequently, you will make a claim to your homeowner or business insurance carrier. However, you and other property owners may face a problem. Namely, if there is extensive damage to property spread over a wide area, what happens if there is an insurance adjuster shortage?

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How Can an Insurance Adjuster Shortage Happen?

In reality, a claims adjuster shortage can easily happen. With this in mind, remember the water damage caused by Hurricane Florence in North Carolina in September 2018. How about Hurricane Irma in Florida in September 2017 or Hurricane Harvey in Texas, also in 2017
And more recently, Hurricane Ida wreaked havoc along the Gulf of Mexico in Louisiana. Moreover, Ida’s aftermath caused massive flood damage in the northeast United States.
When natural disasters extensively damage property, insured property owners file claims with their carriers. However, depending on the number of damaged properties, insurance companies may struggle to send loss adjusters to inspect the damaged property. Of course, large insurance companies usually have adjusters on their payroll. But many also use independent adjusters to inspect damaged properties. However, given the extent of damage caused by severe storms, the demand for qualified insurance adjusters may exceed the supply.
As in any other field, there are very good insurance adjusters out there. Likewise, there are also good insurance adjusters in the business. But, unfortunately, there are not so good, and inexperienced, insurance adjusters out there too.

Insurance Adjuster Shortage Disaster

What is the Effect of an Insurance Adjuster Shortage?

Certainly, an insurance adjuster shortage affects the insurance company since it slows down the processing of claims. After a severe storm and wind-damaged properties, there may not be enough qualified insurance adjusters to make inspections in a timely manner.
As a result, property owners may contest the insurance company’s settlement offer based on a poor inspection by an inexperienced field adjuster.
Notwithstanding the effect on the insurance company, an insurance adjuster shortage has a greater impact on the property owner. As stated above, the adjuster shortage will slow down the processing of claims. Consequently, it will take longer for the insurance company to pay claims.
In addition, the property owner may decide to hire a public adjuster to inspect the damaged property. This may be because the damage was so extensive that the property owner wanted his own estimate for the cost of repair or replacement.
But if there is a shortage of insurance adjusters in the area, that probably extends to public adjusters. Public adjusters usually work for property owners. Consequently, qualified public adjusters are in great demand after a tornado or flood causes extensive damage to property in a given area.

Insurance Adjuster Shortage Frustration

What Should You Do if the Insurance Company Sends an Adjustor to Inspect Your Property During an Insurance Adjuster Shortage?

When an adjuster comes to inspect your damaged property, make sure you get his business card. He could be an adjuster who is employed by your carrier. He might be an independent adjuster. Although his business card says he is an “independent adjuster”… he works for the insurance company too. Independent adjusters and independent adjuster firms usually just work for insurance companies. They are not employees of the carrier. Rather, they are more like independent contractors.

During an insurance adjuster shortage, the insurance company may send out an inexperienced adjuster. Therefore, watch what the adjuster does during his inspection. Note when the inspection began and when it ended. Did the adjuster get up close to inspect damaged walls, ceilings and floorboards? If the storm damaged the roof, did he climb up to look at damaged areas (drones are not enough for roof damage)?

How Should You Hire a Public Adjustor?

If you have little or no experience hiring a public adjuster, there are a few steps you should take to ensure you make the right choice. Be cautious if a person arrives at your damaged property unannounced and says he is a public adjuster. Frequently, this can happen during an insurance adjuster shortage after a major weather event.

Ask the adjuster to describe his experience in the business. Get his licenses and some recommendations. Good public adjusters will expect these questions and have the information readily available.

If You Need a Public Adjuster, Call AllCity Adjusting

We are a family-owned claims company with five decades of combined adjusting experience. As a result, if there’s one thing we understand, it’s that you need 100% of your claim value.

Insurance companies undervalue your claim 8 out of 10 times. Moreover, they hire expensive adjusters to ensure they maintain a strong profit margin. Additionally, they have experienced actuaries that create insurance agency guidelines that help their team of agents to challenge your insurance claim’s validity.

We understand that you have already gone through a tumultuous event. For this reason, get an agency that gets you more.
At AllCity Adjusting we work to ensure you get 100% of your claim value. Equally important, with over 50 years of combined adjusting experience, we know insurance companies. Furthermore, we understand where they cut corners.
Moreover, we help you build a larger claim and maximize your claim value. In short, we get you back to normal fast. Don’t get fooled, get the company that gets you more.

Insurance Adjuster Shortage Call AllCity

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Best way to beat the insurance company is to hire AllCity Adjusting

At AllCity Adjusting we help residential and commercial clients alike get the claims support they need. Moreover, we have over 50 years of combined experience helping get our clients the max settlement time and time again. If your claim has been low balled or denied entirely we can help increase your maximum settlement. Call us today for a FREE consultation. Experience the AllCity difference.

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Salvageable v. Non-Salvageable Property After a Fire

Salvageable v. Non-Salvageable Property After a Fire

If a fire has occurred at your home, your first concern, of course, is the safety of yourself and your family. However, depending on the extent of the fire damage, you will have to resolve the issue of salvageable v. non-salvageable property after a fire. Homeowners’ insurance protects your home itself (Dwelling Coverage) and its contents (Personal Property Coverage). High heat, smoke, and soot can cause extensive damage to your personal property, such as clothes, furniture, hardwood floors, and appliances. For instance, smoke damage causes fabrics, clothes, and soft goods to reek of the smell of smoke. Additionally, smoke and soot can discolor objects and reduce the life span of electronics and machinery. Consequently, you and your insurance company will have to determine which personal property is salvageable v. non-salvageable property after a fire.

Actual Cash Value v. Replacement Cost Value

Actual Cash Value v. Replacement Cost Value

Many homeowners never read their homeowners’ insurance policy. Then a covered loss, like a fire or hurricane, causes extensive damage to the home and contents. Of course, the homeowner files a claim with her insurance company. Eventually, the homeowner gets a claim settlement offer from the home insurance company. However, only then does the homeowner learn the difference between actual cash value v. replacement cost value coverage.

What is an Appraisal Clause in an Insurance Policy?

What is an Appraisal Clause in an Insurance Policy?

Water damage insurance claims are some of the most frequent home insurance claims that homeowners file. However, homeowner insurance does not cover all types of damages caused by water. Therefore, handling water damage insurance claims requires the homeowner to be careful and diligent before and during the claims process.

Homeowners’ Property Damage Claim-Do You Need an Attorney?

Homeowners’ Property Damage Claim-Do You Need an Attorney?

Unfortunately, a terrible storm moved through your area. It left fallen trees and damaged homes in its wake. Your house was one of them. You have never filed a claim with your homeowners’ insurance company. But you now have a homeowners’ property damage claim-do you need an attorney?

How to Negotiate a Fire Damage Insurance Claim

How to Negotiate a Fire Damage Insurance Claim

One of the most traumatic events experienced by homeowners is a fire in their homes. Certainly, the potential for serious injury can be significant. However, the relief that no one was harmed soon fades away as the reality of the property damage sinks in. Now, one key question for the homeowner will be how to negotiate a fire damage insurance claim settlement.

Insurance Claims for Poorly Installed Stucco

Insurance Claims for Poorly Installed Stucco

Stucco is a popular siding used on new developments, homes, and businesses since the early 1900s. Manufacturers make it of cement, limestone, and silica. In fact, it has become very popular in the last 20 years. However, when not installed properly, it can lead to several problems. Therefore, some homeowners will have to file insurance claims for poorly installed stucco.

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