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

50 Comments

1. Insurance companies and adjusters are snakes looking for any reason at all not to fill your claim. Insurers even have dedicated teams to try to deny claims for any reason they could find. Look at what they have done in Florida and Hawaii.

2. Lmao part 4 is simply not true. They get bonuses based on paying out less. They definitely are incentiviced to screw you over

3. All insurance companies rip people off

4. roaches

5. My first claim, your video helps me to understand how to approach and talk to an adjuster, thanks.

6. Man, it never goes that smoothly. I’m flooded, been over seven days and I’m still waiting for a call back from my insurance agent. Unbelievable. What you’re putting out here is a pipe dream. Insurance agents these days, or on the side of the shareholders, not the client. My first flood was in August 2000, and that took 2 1/2 years to settle. Yes I won, but I had to fight my own insurance tooth and nail the entire time. And get a lawyer. Now here I am at age 60 I’m going through the same crap again. But I do love your scenario and your optimism, but that’s not the way of the real world works.

7. Dude, WHAT hopium are you smoking? You have an unusually rosy view of adjusters and the point of insurance (which is to pay the least amount as possible).
   Good grief.

8. what can I do as a consumer when the adjusters select the preferred vendor quote that uses a program such as extactimateto to spit out detail quote to pay you out. In other words the adjuster select a quote from a company that they do business on the regular but is a low ball quote.? And what if I am not comfortable with that company selected or quote?

9. I wish I could believe this vs the 8 month nightmare I’ve been showing on my channel.

10. Where you finding these Insurance Adjusters that care and truly do what is right by the homeowners? That does not exist in Kentucky!

11. Hi Beaux,
    Thanks for the informative video.
    I am having a horrible experience with my adjuster. First, he tried to tell me I was going to work with the restoration company of his choice, and whichever one responded first. Then, his first time out was 15 days after the accident. Communication: agent doesn’t respond to texts, emails or calls, I have to call the clam center and ask to speak with someone, email his supervisor and have even had to file a claim with my states insurance department. Payment: He kept telling me he was going to pay me for the initial week of hotel and alt.living expenses which I didn’t get, so had to contact the state. He has supposedly been on vacation 3 times. (Claim was May 5). I finally got paid last week. He didn’t approve my housing, I had to insist and tell him that my house was torn apart from ServPro, he approved a hotel, although he told me he would approve a house. It took him over 3 weeks to approve the asbestos removal in the floor, the a week to approve the housing. Then he offered me about $20K less for the rebuild. I will submit the contractors estimates this week, but this is absurd. I have a family with kids who we homeschool and he is not doing anything unless I push for it. And now I have to fight for $20K more?
    That is A SCAM!!!
    They paid ServPro a fortune , and, whatever rate they want to mitigate, tear out, box materials, etc. They paid ServPro a fortune and fast, to put in fans, box items, rip out cabinets and flooring, yet they want to pay me way way less for the most skilled part of rebuilding.
    TOTAL SCAM!

12. Thx you for making this insurance information clear.

13. I disagree that the adjusters are looking out for you …. the policyholder. Our adjuster either lied or misunderstood and refused to correct his mistake, in order for the insurance company to deny our claim. We were with National General so maybe there are better insurance companies. Looking at the reviews…National General seems to be one of the worst insurance companies out there. Anyway, we were led to believe that they were going to pay the claim. The first adjustor even told us he was in the process of calculating the claim (in an email). Then we got a new adjustor who gave us the runaround for almost 5 months which was a ridiculous amount of time. Then, a little over 6 months after the incident, we received a denial letter. We appealed it and were denied. There were several non-truths in the denial letter and neither the adjustor, nor his boss, nor her boss, nor the appeals department, listened to us that what they stated in the denial letter was not true. They absolutely did not care. We paid our premiums on time (actually one year in advance) and National General was not there to help when we had a valid claim. Why even be insured?

14. This is ridiculous… they are all thieves. 🙄

15. Secure your home BEFORE your FAMILY?!

16. I didn’t pay last month cause I had a bad day. They dropped me

17. THANK YOU

18. Hire a public adjuster. They work for you to get the highest possible payout, even double the amount. Insurance adjusters do not work for you and will give you the lowest possible settlement.

19. Insurance agents are actual crooks 😂. The fact that you pay them monthly and don't want to pay for things that get damage is sheer fraud on their part. But, it's legal fraud on their end. 😂

20. Why does the insurance company and the claims representative need the loan information on the home ?

21. It is not fair that insurance does not pay for replacement costs. Seemingly that is the point of having insurance.

22. Hey man, You just helped me soooo much. I have a roof job that I made a claim on. I don't know much about this and I was upset at the check that was sent and what the roofer was charging me. I was about to call the insurance company, and looked at this video. You cleared up things for me. I realize I will have to pay some, but will get my money back. Phew I can calm down. Thanks alot.

23. Oh please- the adjusters just facilitate rip-offs

24. Oh we don't cover that. Oh we don't cover that. Oh we don't cover that oh were going to charge you more for less

25. #1. Thank you for the video, I was expecting another video about how adjusters are always trying to rip you off. It was refreshing to find that was not the case.

    As a property claims adjuster for 16 years, 7 of those with a major carrier and 9 as an independent adjuster (not a storm chaser type), and having worked both residential and commercial claims ranging from $500 to $5M (over the course of my career), I can honestly say that it is SO MUCH EASIER to find a way to pay a claim (i.e. coverage opportunities) than to have to deny coverage, and just about any claims person I’ve ever talked to about that has agreed. Denying claims sucks and it’s not a discussion we look forward to. The issue generally stems from property owners not understanding that an insurance policy is a contract, and the property owner and the insurance companies agree beforehand what is going to happen under just about any given circumstances. And generally you get less coverage for by opting to go cheap (i.e. like opting to save money and getting a “cosmetic damage” endorsement on your roof). That is all set in motion and the contract is signed and all parties have agreed to its conditions typically long before an adjuster enters the picture. All the adjuster has is to rely on is the facts of what happened and what the policy dictates is to happen in response. Oh course, like any other industry, you’re going have some a$$holes, but that’s just people in general (including property owners).

    Deductibles: don’t blame your deductible on your adjuster.

    RCV: don’t blame your adjuster if you didn’t opt for replacement cost coverage.

    Insurance fraud: it’s a real thing. Luckily, the vast majority of are good. However, it’s not terribly uncommon.

    The faster I can get all parties to agree that the proposed settlement is fair and reasonable, get the insured paid, and get the claim is closed the better.

    I wish everyone one the best.

    #maga #infowars

26. 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… 😊

27. Have zero sympathy for adjustors or loan officers.

28. 😂 Adjusters don’t have insurance companies bottom line in mind. 👌🏼

29. 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?

30. 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.

31. That's bull. The adjuster is not for you .

32. 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.

33. Loss adjusters are comical 😂

34. 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.

35. 👏 Thank you for providing this video to help people understand – cat adjuster

36. 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.

37. 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!

38. Wrong, most likely the insurance company will deny your claim. You’ll never get paid

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

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

41. adjuster are not there to help you lol

42. You make adjusters sound like good people and they're not. Who are you kidding? You really don't value our intelligence.. Adjusters are NOT humans who just "make mistakes". They're from hell. They are there to rip you off and save the insurance company. money.

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

44. great video! sir

45. Adjusters aren’t human, they don’t give a fuuuuuuuuuuh about you or your situation. 100% of adjusters will have a 50% lower estimate than any contractor across the board. Get a lawyer off the rip, trust me

46. Here is your statement to "oldkid6" "No insurance policy is designed to pay for that. They pay for damages. Not upgrades." Here is a provision in my insurance policy and I found at least 3 other policies on the internet that are word-for-word with regards to many of my provisions/terms/terminology/phrasing/words in my policy: This is in my policy: "If a "covered service line" requires replacement due to a "service line failure" "we will pay "your" additional cost to replace with materials that are better for the environment, safer for people or energy or water efficient than the materials being replaced." Our courts of law use dictionaries to define words. So, I will define "better" as: of a more excellent or effective type or quality.Quoting Oxford Languages on-line. And here is the definition for your word: "upgrade(s)" as you used the plural: raise (something) to a higher standard, in particular improve (equipment or machinery) by adding or replacing components. My policy clearly implies an "upgrade" and another part of my policy confirms this in the "plural" as follows: "Expediting Expenses, with respect to "your" "covered service line" that is damaged as a result of a "service line failure", "we" will pay the reasonable extra cost to: a. make temporary repairs; and b. expedite permanent repairs or permanent replacement."
    Notice "permanent repairs" in the plural and the "reasonable extra cost". "EXTRA" means in addition to as in "one and one equals two." So, your answer and conclusion appear to be wrong as you said " 'No' insurance policy is designed to pay for that." Your use of the word "No" implies 'None" whatsoever. Our courts of law interpret insurance policies in favor of the insured (and that is a qualified statement and I can support that with case law). Google Scholar has an abundance of case law supporting what I have posted. The word "AND" is a functional conjunction which has also been addressed by numerous case citations and courts of law. Sure would like to hear your response with supporting evidence and logic of course. If you want me to cite case law, I can do so as I have done an abundance of research in this regard and much of it Supreme Court case law with regards to insurance policies, as the Supreme Court is "THE LAW OF THE LAND".

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

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

49. 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.

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