20 Best Home Insurance Claim Adjuster Secret Tactics You Must Know
Insurance Tips

20 Best Home Insurance Claim Adjuster Secret Tactics You Must Know

It is vital for homeowners must be familiar with the hidden secret tactics a home insurance adjuster may use to cheat them out of your claim.  

These insurance companies prioritize their profits over assisting their clients, often leading to unjust practices.

These tactics, though unjust, often escape notice because homeowners making insurance claims are in urgent need. 

Regrettably, research indicates that these strategies contribute to insurance companies’ annual profit growth.

By understanding these secret tactics employed by your adjuster, you can protect yourself from being manipulated and ensure you receive the highest possible settlement for your home insurance claim.

20 Best Home Insurance Claim Adjuster Secret Tactics

The majority of individuals buy home insurance to lessen financial worries. They wish to avoid making a big claim, but if they must, they anticipate a simple process.

However, it’s essential to realize that the adjuster isn’t your ally, but their role is to minimize payouts and hold back a couple of undisclosed tactics.

When you’re making a home insurance claim, it’s crucial to be aware of these undisclosed strategies adjusters try to keep from you:

1. Being Overly Friendly

At the start of your claim, adjusters might act friendly to help you feel at ease and trust them. 

But remember, they’re not your friends. Their main goal is to protect their company’s profits.

This friendliness might not last, so stay alert, be professional when talking to adjusters, and don’t let their friendliness cloud your judgment.

Keep in mind that their job is to save money for their company. They might act like your friend to delay or reduce your claim. 

2. Twisting Facts

Insurance companies might lie or twist facts to deny or decrease your payment. Be cautious of tricks adjusters might use to deceive you, like false promises or wrong information.

If an adjuster lies or uses tricks to deny your claim, hire a lawyer experienced with these issues.

Also, do not say anything that could suggest fault or harm your claim when talking to a home insurance adjuster.

If you think an adjuster is lying, keep records of your conversations and consult a lawyer to stand up for your rights. 

Remember, adjusters are not your allies; they aim to minimize payouts.

3. Fake Promises

Unfortunately, insurance companies make fake promises to deny or cut your payment.

A common trick is promising more money if you don’t get a lawyer. Don’t believe it; they’re trying to pressure you into accepting less.

Adjusters aren’t on your side and won’t give more than needed. Dealing with home insurance adjusters can be tough, but knowing what to expect helps protect your rights and get a fair deal.

To avoid falling for this trick, know your rights and policy. Don’t let an adjuster convince you to accept less than you deserve.

If unsure, consult an attorney for guidance. Remember, insurance companies want to pay as little as possible, so don’t let false promises sway you.

4. Being Ignored

It’s frustrating when your insurance company ignores your calls and emails. Sadly, some home insurance adjusters use this tactic to delay or deny your claim.

Sometimes, ignoring you helps the adjuster because you become so desperate to get your money that you settle for less than you deserve.

In Illinois, some rules say insurance companies must respond to important messages within a reasonable time, usually around 15 days.

5. Bullying

Insurance adjusters bully you into agreeing to a small settlement – they often use intimidating tactics once the initial friendly phase is over.

The adjuster might act rudely or be overly tough on you, knowing you’re already upset due to your significant loss. 

They’re counting on your emotions, making you frustrated, angry, or causing you to make mistakes that could harm your claim.

If they make you react unprofessionally, they can use it against you later, portraying you as difficult to work with.

Dealing with insurance claims is usually a lengthy negotiation, and if you face a tough and unyielding adjuster, they can wear you down, regardless of your resilience.

If your insurance adjuster displays aggressive behavior, it’s wise to seek professional help, like hiring a property damage attorney experienced in insurance claims.

6. Unfair Settlement Offers

Beware of sneaky tricks by home insurance adjusters like bullying and false deadlines.

They might offer you much less money than you deserve, hoping you’ll accept it to save time. This benefits them but hurts them financially.

If you get a bad offer, negotiate with proof of your expenses. If they don’t budge, consider getting a property damage attorney to help you. 

Remember, insurance companies want to save money. Don’t let their tricks push you into a bad deal. 

7. Tricking You into Taking Blame

Did you know that insurance companies often use a tactic called the liability attack? They shift blame to deny claims, affecting up to 80% of cases.

When you dispute a claim, adjusters might blame you for the damage, saying you didn’t maintain your property well or didn’t follow safety rules. They could even blame others.

In cases of property damage, one common secret trick is to say that you:

  • Didn’t take steps to lessen the damage, or
  • The damage happened long before or after the incident

For instance, they might claim that not locking your windows led to flooding during a storm or that your appliances were already damaged before a fire.

These tactics can catch you off guard, like when they ask, “Were your windows locked?” 

They will ‘gaslight,’ you to believe you caused the damage.

8. Make a Record of What You Say

Sometimes, they use this to guide you into accepting responsibility – they want you to make a recording of your words. 

This makes it hard for you to say something different later. They might do this if they think you’ll admit to being at fault.

If they ask you to give a recorded statement, stick to the facts only. Understand why and how they’ll use it. 

You can even request to provide a written statement instead, so everything you say is documented.

And here’s a tip: record yourself while giving that recorded statement. This way, they can’t manipulate or edit parts of your words to make you seem guilty.

9. Providing Partial Fault Determinations

Insurance adjusters might assign partial fault, which could lead to reduced or denied claims. 

They may blame the claimant even if the damage wasn’t their fault. This can be frustrating, especially when homeowners expect their insurance to cover such situations.

Remember not to admit fault when negotiating with adjusters. Stick to facts, letting them determine fault after their investigation.

If the adjuster finds partial fault, they might cut or deny the claim amount. In such cases, seeking legal advice can help claimants get compensation for related expenses.

An attorney can challenge the adjuster’s decision and ensure fair compensation.

10. The Minor Incident Trick

Beware of the low-impact attack, a hidden tactic home insurance claim adjusters use.

They might argue that the damage is due to a minor incident, suggesting your policy does not cover it. Don’t be fooled.

You can demand a thorough inspection and a second opinion. Remember, the adjuster’s loyalty is to the insurance company, not you.

Don’t let them discourage you from hiring an attorney, claiming it’ll prolong the process and cost more. 

That’s just another tactic. If the settlement isn’t fair, consult an attorney specializing in homeowners insurance claims.

11. Discouraging Attorney Hire

Another secret tactics a home insurance claim adjuster might use is to tell you not to get a lawyer.

Don’t let the adjuster’s advice to skip hiring an attorney stop you from getting what you deserve. 

They work for the insurance company, aiming to minimize payouts for your home insurance claim. Hiring an attorney safeguards you from the adjuster’s tactics. 

Here’s why you should consider it:

  • They ensure you understand your policy and get full compensation.
  • They negotiate with adjusters to prevent low offers or intimidation.
  • They help gather proof for your claim’s success.
  • They can represent you in court if needed.

So, don’t let the adjuster’s suggestion hold you back from fighting for fair compensation.

12. Claim Denial

Claim denial is a common tactic where insurance companies reject your claim, often sending a denial letter to discourage resistance.

Remember, denial isn’t always legitimate. Some insurers misuse denial to avoid paying rightful claims.

If you believe your claim is wrongly denied, seek legal assistance. An attorney can clarify your coverage and help you challenge the denial, ensuring you’re treated fairly by the insurance company.

13. Tricky Time Limits

Insurance agents might pressure you into accepting a low settlement offer by giving you a deadline. They say you must accept by a certain date or lose out.

But don’t be scared – this is a trick. The deadline they set is not real. You can always negotiate for a better offer and don’t have to agree to their low offer just because of a fake deadline.

If this happens to you and you’re worried, contact a property damage attorney. They can contact the insurance company and sort things out.

14. Unnecessary Paperwork Requests

Insurance adjusters ask for documents like receipts, pictures, and bills. But watch out, they might ask for things you don’t need to give them because they know you don’t have them.

For instance, they could ask for a bill from years ago that has nothing to do with the recent damage. It’s a sneaky trick to wear you down and make you accept a low offer.

15. Choosing Repairs Over Replacements

Insurance adjusters often prefer repairing damaged items instead of replacing them, as repairs are cheaper. 

This is yet another clever secret tactics that a home insurance adjuster will use to cheat you out of your rightful claim.

Recognizing this tactic is crucial when dealing with home insurance claims to avoid future problems.

Insurance policies usually state that insurers must replace or repair items to match their original quality. 

However, you might feel pressured into accepting subpar repairs without knowing this or feeling worn out from dealing with the insurance company. 

For instance, if part of your roof is damaged in a fire, only fixing it could make it more prone to leaks – something the insurance company won’t mention.

Similarly, they might spend a lot of your coverage on cleaning smoke-damaged clothes yet make you sign a contract that says they can’t guarantee the clothes will be fully restored.

If the cleaning doesn’t work, you lose coverage, and neither the insurance nor the cleaning company takes responsibility.

16. Pressure with Additional Living Expenses

When your property is damaged, your insurance usually covers additional living expenses, like temporary housing.

Some adjusters might suggest a hotel, but if you have lived in a house before, you can rent a similar home while yours is repaired. 

If disagreements with the insurance company delay repairs, they might push you to leave your temporary housing to force you into accepting their claim estimate.

Your policy only covers living expenses for a reasonable construction period. 

17. Misleading About Insurance Benefits

Another trick is misrepresenting your insurance benefits. Adjusters might make false promises or downplay your entitlements.

Picture this: the adjuster might tell you that certain damages aren’t covered by your policy, making you believe you’re out of luck. 

But in reality, those damages might indeed be covered. Or they might offer you a quick settlement, making it seem generous. However, it could be much less than what you deserve.

Sometimes, they might try to steer you towards using their preferred contractors for repairs, even though you have the right to choose your own. 

This is another way they can control the situation and potentially limit your compensation.

18. Painful Negotiations for Compensation

Remember that you can negotiate with the insurance company for a fair settlement in property damage cases. But brace yourself – they’ll make it tough.

They won’t immediately agree to the amount you want, not on the first or second try. This will require effort, patience, and courage.

It’s a good idea to hire a property damage attorney. They’ll negotiate for you. Having a respected attorney by your side can speed up negotiations and lead to a fair settlement.

19. Negotiation Denial

They might pull another sly move: they could say that their offer is fixed and you can’t bargain.

Feeling anxious, you might rush to agree, even if it’s only a small part of what you require. They might insist that there’s no chance for negotiation.

But that’s often not true. Usually, their initial offer is relatively low, covering just a fraction of what’s needed.

It often leaves out crucial areas necessary for fully fixing your home.

20. Quick settlements

Don’t be swayed by the first offer they give you. It’s often a lowball offer and not the final amount you deserve.

They know you’re in a tight spot and need money fast, so they might try to get away with offering you much less than what you need. Don’t fall for it.

If you have evidence of the losses you’ve suffered, with proper documents showing your financial setback, there’s no valid reason why they shouldn’t pay you the full amount unless it exceeds your policy limits. Stand your ground, and don’t settle for less.


Being informed about the secrets employed by home insurance claim adjusters is essential to ensure a fair and just settlement for your property damage claims. 

These tactics, from misleading about benefits to using false deadlines and denial of coverage, highlight the need for vigilance and preparedness during the claims process.

Remember, insurance adjusters may not always have your best interests at heart. 

By arming yourself with knowledge, seeking professional advice when needed, and standing your ground, you can confidently navigate the complexities of the claims process.