How do you deal with an insurance claim adjuster?

An adjuster investigates your loss, decides what the policy covers, and prices the damage. Staff and independent adjusters work for the insurance company, so their estimate is the insurer's opening position, not a ruling you cannot question. The homeowners who get fair results stay organized and keep every discussion on evidence.

Before the inspection

• Have your claim number, declarations page and date of loss handy.
• Gather storm day photos, hailstones next to a coin or ruler, and pictures of any leaks.
• Get your own roofer's inspection first so you know what damage exists.

During the inspection

• Answer factual questions plainly. If you do not know the roof's age or a past repair date, say so rather than guess.
• Walk the property with the adjuster and point out every damaged area, including gutters, screens and interior stains.
• Ask what they found before they leave, including hit counts per slope.

After the inspection

• Request the full written estimate and photos, not just the payment amount.
• Keep a claim log with dates, names and what was said, and follow every phone call with a short email summary.
• Answer disagreements in writing with photos, measurements and your roofer's scope. If damage was missed, ask for a reinspection.

If you hit a wall

Ask for the adjuster's supervisor or the desk adjuster on the file. Under Georgia's unfair claims settlement law, an insurer must give a reasonable explanation of a denial or compromise offer when you request it in writing, so make that request by email or letter. Further options include the policy's appraisal clause and a complaint to the Georgia Office of Insurance and Safety Fire Commissioner. Staying courteous costs nothing and keeps the adjuster willing to revisit the file. The inspection prep guide covers the day itself.