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?

How Can an Insurance Adjuster Shortage Happen?

What is the Effect of an Insurance Adjuster Shortage?

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.