On Friday, September 8, 2017 at 4:36:49 AM UTC-10, Janet wrote:
>
> "The adjuster you get" works for the insurance company, representing
> their interest. Naturally his employers want to keep the payout as low
> as possible.
>
> What most policy claimants don't realise, is that they can and should,
> employ their own independent loss assessor to represent themselves.
>
> For some reason, most insurance companies forget to tell their
> claimants that.
>
> http://www.morganclark.co.uk/loss-ad...ions-answered/
>
> Janet UK

I was well aware whose interest their adjuster was looking out for. OTOH, a lot depends on the potential of the claim. It makes a lot of sense to hire your own adjuster for large amounts.

In my case, the insurance companies for the building and doctor's office responsible for the leak and resulting flooding, paid for the water removal and rebuilding of the walls/flooring in my office. I did my own estimate of the damages of equipment and furniture and submitted it to the companies. Being an honest and honorable guy, I resisted inflating the amount of damages. My claim was less than $5,000. Mostly, the insurance companies dicked around trying to get each other to pay.

In the end, I leveraged my position by threatening to sue if I had to close my business. That's always a good strategy. They paid me more than what I had estimated the damages to be.