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Expertise or Injustice? The Debate Over Adjusters' Construction Knowledge

Updated: Sep 26, 2023

It is understandable that policyholders may be concerned about whether insurance claims adjusters without experience in construction can accurately assess the damage and negotiate a fair settlement. However, it is important to note that adjusters are trained to assess damage based on industry standards and to use software programs and other tools to help them determine the cost of repairs or replacement.


Additionally, insurance companies may hire outside consultants or experts with specialized knowledge in construction or renovation to help assess the damage and provide an estimate of the cost of repairs. This can provide valuable insight to the adjuster and help ensure that the settlement offer is fair and reasonable.


Ultimately, the goal of the claims adjuster is to negotiate a settlement that is fair and reasonable for all parties involved. While knowledge of construction can be helpful, it is not always necessary for an adjuster to accurately assess the damage and negotiate a fair settlement. The adjuster's primary role is to investigate the claim, gather all necessary information, and negotiate a settlement based on industry standards and guidelines.


However, if a policyholder has concerns about the adjuster's assessment or the settlement offer, they can seek the advice of an independent adjuster or an attorney to help ensure that they receive fair compensation for their damages.


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