Why You Shouldn’t Rely Solely on Your Insurance Company’s Adjuster

When you file an insurance claim, you might assume that your insurance company will offer a fair and accurate settlement. After all, you’ve been paying premiums for coverage, and now that you need help, they should step up—right? Unfortunately, that’s not always how it works.

Insurance companies are businesses, and like any business, their goal is to minimize payouts and protect their bottom line. That’s why their adjusters work for them, not for you. If you rely solely on your insurance company’s adjuster, you could end up with a lowball offer or a denied claim—leaving you struggling to cover repair costs.

Here’s why you need to think twice before trusting your insurance company’s adjuster:

1. Conflict of Interest: Insurance Adjusters Work for the Insurer, Not You

Insurance companies employ staff adjusters or independent adjusters to evaluate claims. While they may seem friendly and helpful, their primary responsibility is to protect the company’s financial interests.

Their job is to assess damages in a way that limits the insurance company’s payout.
They might downplay damages or exclude certain losses to reduce compensation.
They often follow company guidelines that favor the insurer’s profits rather than your best interests.

A public adjuster, on the other hand, works exclusively for you—not the insurance company. At Advocate Claims Services, our mission is to fight for the maximum payout you are entitled to under your policy.

2. Complex Policies: Understanding Insurance Language Isn’t Easy

Insurance policies are filled with technical jargon, exclusions, and fine print that can be difficult for the average policyholder to interpret. You may assume you’re covered for certain damages, only to discover that your insurer has denied part of your claim due to a policy clause you didn’t fully understand.

Public adjusters know how to read, analyze, and interpret insurance policies. We ensure that every coverage option available to you is applied to your claim, maximizing your payout.

3. Underpaid Claims: Lowball Offers Are Common

Many policyholders assume that the first offer from their insurance company is fair—but that’s rarely the case. Insurance companies often offer less than what’s needed to fully repair or replace damaged property. Some common tactics include:

Depreciation deductions that lower the value of your claim.
Excluding certain damages to avoid paying for the full extent of repairs.
Rushed inspections that overlook hidden damages, leading to future repair costs that the insurance company won’t cover.

At Advocate Claims Services, we thoroughly document every aspect of your loss, challenge lowball offers, and negotiate a fair settlement on your behalf.

What You Can Do to Protect Yourself

Don’t accept the first offer without review – Insurance companies often start with a low offer, expecting you to negotiate.
Get a second opinion – A public adjuster can reassess your damages and compare them with the insurer’s estimate.
Hire an expert to fight for you – Working with Advocate Claims Services means having an experienced professional who knows the insurance industry inside and out.