Top 10 Most Used Home Insurance Claim Adjuster Secret Tactics

This article will tip people on what to do when their homeowner insurance company is stalling them, how to itemize for insurance claims, Top 10 most used home insurance claim adjuster secret tactics

Dealing with an unreasonable insurance agent or company is never fun as it usually means people were involved in an accident, suffered property damage, or worse, were injured.

After the incident, people want to return to normal life, but what can they do if their insurance company doesn’t process their claim? People can do a few things to expedite the claims process, but if they have all of their ducks in a row and the company is still stalling, they may be dealing with a bad faith claim.


  • You will learn about the steps to take if your homeowner insurance company is stalling 
  • Ways to itemize for insurance claim
  • How to scare insurance adjusters
  • Tactics used by the insurance adjuster and what not to say to the home insurance adjuster
  • Answers to some frequently asked questions on insurance claims.
home insurance claim adjuster secret tactics

What to do if a Homeowners Insurance Company is Stalling 

When people purchase a homeowners’ insurance policy, they expect their insurer to fulfill their obligations. People wholeheartedly believe that their insurance company will help them through difficult times and provide a solution in the event of accidents, natural disasters, and other incidents.

Homeowners’ insurance has to act in good faith, but many homeowner insurance company breach that duty by delaying the claims process, a practice known as “stalling.”

If the people’s insurance company fails to process their homeowners’ insurance claim within a reasonable time, they may have legal grounds to file an insurance bad faith claim. They should hire a lawyer.

How to Itemize for Insurance Claim 

If an individual home has been damaged, the first step they must take is to file a homeowners insurance claim. Make the claims process less frustrating and complex by doing these few things listed below. Here are 12 recommendations for itemizing damage for their homeowner’s insurance claim.


It may seem apparent, but people should first examine the damage to their homes and list everything that was destroyed. If they are uncertain whether their policy covers the item, they should add it to the list and verify the coverage later.

People should prepare a flood restoration checklist if they have suffered flood damage. Take shots of everything from different perspectives and under varied lighting conditions if necessary. It is better to have too much information than not enough.


Keeping track of an insurance claim requires organization, especially if people have numerous items that need to be replaced or fixed. Maintain a spreadsheet or create a binder with the following items:

  • The object
  • The date the object was acquired
  • What you paid for
  • The receipts

In insurance claims, generally, receipts are very valuable because they verify the value of goods. People should immediately start a receipt filing system for valuable items in their homes if they do not already have one.

Please keep track of every interaction with their insurance provider during the claims process, including the dates of visitations and phone conversations, the names of those with whom they spoke, and a record of what was covered.


The sooner people file the claim, the sooner they receive the repair cash. As soon as possible after the damage or incident, people should contact their insurance carrier via phone call or online. 


If theft or vandalism caused damage to their home, submitting a police report is needed. Please obtain a copy of the police report and note who they spoke with and any officers that visited their premises for an inspection. Their insurance company will request a copy of the police report.


People may be tempted to rush through the inspection to initiate the refund procedure, but taking time is crucial. Also, take time with the procedure; investigate unfamiliar phrases, ask for clarifications, and enlist the aid of family and friends.

It takes time for the insurance agent or company to perform calculations following a significant claim. People rather they are precise than rapidly cash a smaller check.


Before completing repairs on some insurance claims, people can wait until the payment from the firm is issued. Other people, such as a roofing insurance claim, may need to make repairs to prevent further damage to their house.

In addition, if people do not perform temporary repairs and new damage occurs, their insurance provider may deny coverage for the additional damage since they did not take preventative precautions.


People should save any receipts if they undertake interim repairs to their home between the time the incident occurs and the insurance company issues payment. They can submit these to the employer as part of their compensation claim.


Frequently, industry words dominate insurance policies, which can be difficult. However, people need to comprehend what the insurance policy covers and what the policy does not cover.

The insurance policy may establish contractual duties, such as deadlines for providing receipts. If there is something in the policy people do not understand, they should contact their agent or a friend to explain it.


People should maintain continual communication with their adjuster and advocate for themselves. Unfortunately, insurance adjusters are obligated to safeguard the company’s interests, which might occasionally conflict with people’s own.

Still, people are wise to hire an experienced insurance attorney in the claims process. Having a skilled advocate will only help them in the process. Many times, the insurance company will underpay people’s claims. If that happens, they can obtain some form of reimbursement for the fees their lawyer charges.


Individuals should obtain estimates from many professionals for the cost of their repairs to prepare them for what they will ultimately pay. When people’s insurance adjuster provides them with a repair cost estimate, it should be in the middle – upper range of their estimates. 


Most homeowner’s insurance policies contain a loss-of-use clause that covers either total or partial expenses if the individual and their family are forced to relocate. People should keep any accommodation and meal receipts to submit them to their insurance provider.

Top 10 Most Used Home Insurance Claim Adjuster Secret Tactics

  Below are the 10 most used home insurance claim adjuster secret tactics people should watch out for.

1. Delaying

People insurance claims adjuster is likely to try delaying tactics. They will know from experience that some people get tired of delays when they desperately need repairs and money.

2. Tricking people to Admit Fault

Insurance companies try to trick people into admitting Fault. But their claim can be worth significantly less than admitting Fault or partial Fault.

3. False Deadlines

In the insurance company’s goal to get people to accept a lowball settlement offer, the insurance agents will tell them they have until a specified date to accept the proposed offer or leave empty-handed.

The fact is, this is a scare tactic. The tactic is a made-up deadline that people do not have to accept. People have a chance to negotiate a better settlement offer that seems to fit them, and they are not obliged to accept their lowball offer before a deadline.

4. Undervaluing Claim

When people get a lowball offer, it’s probably not because they over-estimated damages. It’s likely because the insurance adjusters do not want to pay them more and want to wear them out.

The common way this occurs is by claiming repairs or replacements can be completed for less than the real price.

People shouldn’t give in. If the people are not satisfied with the settlement offer, they can receive an inspection (independent) of the property and get contractor quotes. This action can be used to prove that the claim has been undervalued or underpaid.

5. Policy Loopholes

Insurance policy documents are usually complicated and long. That act is intentional. A lot of people say that their insurers state the property damage is not covered in the insurance coverage. The reason given is some technical loophole. Often, this is a lie. These people are their customers, and they paid for this policy.

6. Requesting Unnecessary Documentation

Insurance adjusters require documents, such as bills, receipts, photo evidence, and reports. But some insurance adjuster tactic is to ask for documents that are not needed because they know people don’t have them.

7. Advising People Not to Use an Attorney

Most insurance companies fear attorneys because they know the attorney will reveal their tactics as bad faith behaviour. An insurance agent may try to tell the people involved that hiring an attorney is not unnecessary, a contract violation, or a waste of money.

None of these statements is true. Using an attorney always produces a higher settlement, even after deducting the attorney’s fees.

8. Acting Like They Care

Be cautious of any overly friendly insurance adjuster. They are not a friend; they work for an insurance company. While it’s appreciated that people are treated with sympathy and respect, the red flags come when the insurance adjuster tries to ‘befriend’ their client.

They use this tactic to get the client’s guard down, so they can use information against them.

9. False Promises Made by The Companies

An insurance claims adjuster might make promises for people’s benefit that are a conflict of interest. Their priority is the insurance company, not the people.

The insurance adjuster might, for example, say they will pay for a particular type of replacement or repair work and then later tell their client that it was ‘excessive’ so it won’t be covered.

10. Painful Compensation Negotiations

People should never forget that they can negotiate with an insurance company for a property damage settlement offer. But be aware that they will make it as hard as possible.

The insurance adjuster won’t just give the client the figure they want at the first request or the 2nd. It is going to take some time, patience, and nerve. People should hire a property damage attorney, as they will negotiate on their behalf.

How to Scare Insurance Adjusters

The best way for people to scare insurance adjusters or carriers is to have a homeowner insurance attorney by their side to fight for them.

What not to say to a home insurance adjuster 

When dealing with an insurance adjuster, never say this thing or act this way

  • Never admit being at Fault
  • Don’t minimize personal injuries or damages to the insurance adjuster
  • Don’t describe injuries to an insurance adjuster
  • Don’t hypnotize what happened during the accident
  • Don’t allow the insurance adjuster to record your statement

Dealing with an Insurance Adjuster after Water Damage 

When people are in the middle of a water damage event, they might feel too stressed or hurried to document everything. But this is a critical step! Unfortunately, the results of water damage are not immediately apparent.

Thankfully, modern technology has made documentation more effortless than ever for property owners.

Be sure to:

  • Take lots of videos and photos with their phone.
  • People should email them to their insurance agent and claims adjuster and “CC” themselves in the email so they can summon them up later.
  • They should keep every receipt for purchases like caulk, sandbags, fans, duct tape, and tarps. 
  • Their insurance policy covers those purchases to protect the property from further damage.
  • People should take photos of those receipts and email them to the parties involved.


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Suppose homeowners’ insurance companies use delay tactics or stalling to avoid paying out their claims. In that case, they should contact a skilled attorney to defend their rights and help them obtain the compensation they deserve. 


Can you argue with an insurance claims adjuster?

Individuals should talk to their claims adjuster about their disagreement and the additional information they will need to give him to make him change his mind.

People may have to provide additional supporting documents to prove their case. If their disagreement concerns: The amount of compensation offered: they will have to find a comparable.

How do I get the most out of my home insurance claim?

People should develop claim strategies based on their reasonable understanding of their coverages, exclusions, endorsements, and policy limits. They should document everything.

Present their position and documentation to their insurance claims adjuster. Negotiate for the settlement they want, need, and deserve.

Can you negotiate with home insurance adjusters?

Allowing an insurance adjuster to know an individual is ready to negotiate and know their rights is one method to scare them. Individuals should prepare a settlement amount they believe they deserve if their initial offer isn’t fair.

If they have evidence that their 1st offer should be higher, they shouldn’t be afraid to challenge it.

Can I keep the extra money from the insurance claim?

If people own their property outright, they can do whatever they want with the claim money they receive from their insurer. It means that they can keep any leftover money from their claim.

You can learn more from the video below:

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