Home Insurance Claims: What To Do & How to Handle Adjusters

Home insurance claims are hard. This video will help explain how they work and how to deal with adjusters so that your claims process can go as smoothly as possible. Insurance claims adjusters are not the bad guys, but they do need some help from you, and this video will give you some tips on dealing with them.

--------CONTENTS--------
0:00 intro
0:40 What to do before turning in the claim
2:20 How to file a home insurance claim
6:49 What is going to happen after I file a home insurance claim?
12:00 How to deal with claims adjusters

Need insurance coverage? Looking for a reliable insurance plan at a great rate? Learn more about how we can help with:

[mirzabaig]

Wrong about adjuster trying to make home owners happy and not ripping off home owners. False.

[larrymcelroy]

Just settled my claim thanks to the advice received from this channel. I filed a complaint with the state insurance commission and it worked wonders. I ended up getting five times my original settlement. I agree now that I have been through this process that getting an attorney should be the very last resort. Actually the appraisal clause is in my policy and I didn’t even have to do that. Thanks again Beaux!

[robynharrison]

Thanks for the input! I’m calling for the first time today.

[MOstix]

Great walkthrough of the process! Thank you.

[oldkid]

The fact that if you file a claim causes the insurance company to raise your rates is truly unbelievable. The perfect scenario is to have the homeowner pay the premiums for life and never had file a claim, even though the point o f having insurance is supposed to be for protection. Let's be honest, the point of any insurance company is to pay the least amount or none if possible.

[michaeljohnson]

This is a great video! Question - how do you handle insurance companies that refuse to work with third party claim handlers? Thanks!

[GoldenMarleyMoo]

👏 Thank you for providing this video to help people understand - cat adjuster

[larrymcelroy]

We are just about 5 weeks in and don’t have a reasonable settlement. They offered us 15000.00 and only 8300.00 is payable now thanks to a monstrous deductible (3500) and recoverable depreciation. The estimates are all coming in at twice that (30000.00). To say that this has been a nightmare would be an understatement. Homesite. So as of right now we have 8, 000 to do 30, 000 plus worth of work. They consider the claim closed by the way even though I told them I wasn’t accepting their offer.

[mcrick]

Wow i never new insurance companys would be so helpful, caus it never happened to me

[lloydcarpenter]

If my house is totally destroyed beyond repair. Do i have to rebuild the same home or any home that fits the allowed insured amount?

[gloriasilence]

I'm new to this. Question. How many roofing contractors can I have at the initial adjusters meeting? I haven't decided which one to go with although I've talked to three and they all seem pretty good. I hope you see this and reply quickly. My adjuster's meeting is on Tuesday. Thank you... 🤗

I hate to ask one of the roofing contractors this question so here I am... 😊

[americafirst]

Take care of me? My insurance adjuster offered me $1, 800 to replace a $8, 000 shed including removal of the shed and tree of my shed. I had to pay $2, 400 out of my pocket for removal of shed and tree removal. Insurance adjusters are serpents.

[alirE]

What if adjuster states I am not covered off the bat. State two yrs earlier google photo showed 3 rows of shingles missing. Not true. However one shingle was loose on the roof. Called it a pre existing condition.

[chardejackson]

My insurance is claimin gthey decide what mynitemized list is and is forcing their peoples on me otherwise it has to get "approved" ny house got ran into Saturday insurance didn't get back to me until Tuesday

[idevourheros]

Make sure to have the roofer or whoever comes first for emergency repairs take lots of photos

[bougie-nel]

I had a plumbing company install pipes the wrong way into my home. The Manager came out and saw the mess and offered a full refund, the rep spilled primer all over my tub and counters which I cant remove.

My pipes dont work and I have whole in my wall that didn't need it. The sent me off to their insurance company for a claim. Im so lost on what happens next. I just want my home made whole again, I have no shower now and my anxiety is thru the roof Im on meds now.

[markdismang]

My Insurance agent did not give me enough coverage. That's her job to make sure her clients are protected. She failed to do her ethical duty.
Just needed to sell me Insurance. My garage was covered up to $20, 000.00. Had a tornado and it was demolished . Cost of damages was $28, 000.00.

[markdismang]

The system is messed up. Needs to be revamped to protect the consumer. Insurance agency just try to sell you coverage without any expertise or knowledge of how much coverage you need.

[michaeljohnson]

What about insurance companies that refuse to work with third party adjusters?

[kraujoe]

I was with you until you told me to put the fire out.