10 Insurance Claim Adjuster Secret Tactics in 2023

Insurance Claim Adjuster Secret Tactics – You can fortify your defences against the insurance company’s attempts to provide you with a settlement that is less than you deserve by being familiar with the hidden strategies used by claim adjusters at insurance companies.

The insurance company is not always your enemy, but it’s crucial to keep in mind that they are also not your friend, which takes us to our first strategy.

Below are 10 powerful Insurance Claim Adjuster Secret Tactics you should always note.

10 Common Home Insurance Claim Adjuster Secret Tactics

Insurance Claim Adjuster Secret Tactics

1. Pretending To Be Your Friend

There is typically a honeymoon period when the adjuster is extremely cordial and accommodating when you initially get in touch with the insurance company.

You can be persuaded to believe incorrectly that the insurance company is on your side if you are unaware that this is one of the home insurance claim adjusters’ sneaky strategies.

The adjuster is aware that you may be thinking about hiring an attorney at this point and that public adjusters are getting in touch with you. When a homeowner does not have legal counsel, the insurance company typically negotiates a house insurance claim better.

This delightful time does not always persist, and the honeymoon may occasionally be extremely brief. After this time,

2. Bullying

Bullying becomes one of the covert strategies used by house insurance claim adjusters when the honeymoon period is over.

Knowing that you are sensitive as a result of your tragic loss and are likely to become irate, upset, or make a mistake that could jeopardize your claim, the adjuster may be unpleasant or unnecessarily harsh with you.

In the event of litigation, the adjuster knows they will have a “get out of jail free card” if they can successfully push you into acting improperly with them since they can then portray you as combative and uncooperative, i.e., not cooperative.

Even in the best-case scenario, settling an insurance claim requires a protracted confrontational discussion, and if you are assigned a pit-bull adjuster, they will wear you out no matter how powerful you may feel you are.

A property damage attorney with experience with insurance claims should be seriously considered if your insurance company adjuster exhibits any signs of aggressive behaviour.

3. Postponing

Your insurance claims adjuster may probably use delay strategies. They will be aware from past experience that when people are in need of money and repairs, delays are generally tolerable.

They’ll use every means at their disposal, such as failing to return your calls or emails, to persuade you to accept a meagre offer.

Don’t yield. If you encounter stalling behaviour, you are a victim of bad faith and should contact a property damage lawyer.

4. False Deadlines

Insurance brokers will inform you that you have until a certain date to accept the offer or go home empty-handed in an effort to persuade you to accept a low-ball settlement offer.

Actually, this is just a scare tactic. You are under no responsibility to meet this fabricated deadline.. In truth, you never have to accept their low-ball settlement offer before a deadline and always have the option to haggle for a better deal.

If this does occur to you and you are scared, you can get in touch with a property damage lawyer who will speak with the insurance provider right away and clear things up.

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5: Policy Gaps

Typically, insurance policy documentation is lengthy and intricate. That was planned.

Many of our clients claim that their insurers told them that their insurance didn’t cover property damage. Frequently, the justification is some form of technological failure.

This is a common misconception. You are their customer, and you bought this policy from them.

Requesting unnecessary documentation is the fifth secret strategy.

The documentation that insurance adjusters require can include invoices, photos, bills, and reports. However, requesting unnecessary paperwork when the insurance adjuster knows you don’t have them is a regular technique.

6: Undervaluing Your Claim

It is unlikely that you received a lowball offer because you misjudged the amount of your damages. Insurance adjusters are more likely to do this since they do not want to overpay you and want to exhaust you.

The most frequent way for this to happen is by saying repairs can be made for a lot less than the actual cost.

Refuse to give in. If you don’t like the settlement offer, you can have the property inspected by a third party and acquire estimates from contractors. These can be utilized to support the claim’s underpayment or undervaluation.

Attorneys for property damage are often helpful in these circumstances. They have the tools necessary to demonstrate the actual price of the damage, saving you money down the road.

7: Advising You Not to Use an Attorney

Insurance companies fear attorneys because they will disclose their bad faith methods.

Your insurance agent may try to persuade you that hiring a lawyer is unnecessary, a breach of contract, or a waste of money. This is completely false.

Even when legal fees are deducted, hiring a lawyer almost always results in a higher settlement.

They can fight tenaciously on your side throughout the claims process, thwarting attorneys’ deception methods and securing the best possible settlement for you.

8: Pretending to Care

Any too-cordial insurance adjuster should be avoided. They are not your friends; they work for an insurance company.

The red flags appear when they attempt to ‘befriend’ you, even though it is always welcomed when you are treated with respect and concern. They employ this strategy to lower your defences so they can turn the tables on you.

You’re just another opportunity; adjusters frequently receive bonuses for low settlements.

9: Insurance companies making false promises

A claims adjuster for your house insurance may make promises that work in your favour but are actually biased against you. Always put the insurance company before yourself!

For instance, they can promise to pay for a specific kind of repair work only to later inform you that it was “excessive” and hence not covered.

10: Painful Compensation Negotiations

Never overlook the possibility of haggling with an insurance provider over a settlement offer for property damage. But watch out—they’ll make it as difficult as they can.

On your first or second request, they won’t immediately provide you with the requested number. It will take some effort, stamina, and nerve to do this.


Knowing an insurance claim adjuster secret tactics is a good first step, but hiring an insurance lawyer who will represent you on a contingency basis—meaning you don’t pay unless you are paid—is the best approach to make sure you receive a fair settlement.

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