Home Insurance Question from Macungie, Pennsylvania
Asked on 7/29/2019. This question has received 64 views.
A home insurance adjustor came to our home after a hail storm to access damage. They gave us a check for about $4000. Now a week later, the adjustor said he figured the numbers out wrong and wants $2200 back. Can they do that? A home insurance adjustor came to our home after a hail storm to access damage. They gave us a check for about $4000 with a detailed damaged list. Now a week later, the adjustor calls us and said he figured the numbers out wrong and wants $2200 back. Can they do that?
If an adjuster comes to your home to assess an insurance claim, they usually also provide a written estimate to justify the amount paid. If you have that, ask the adjuster to advise why he is reducing the amount of payment for your damage.
You might also want to get an estimate from a repair place for the damages and see what they come up with, in comparison to the adjuster. If you can't, or don't want to do this, continue to pursue why the adjuster feels he should reduce the payment for your damages. If you don't agree, you will need to provide proof of your estimate of damage. You may also want to discuss this with a supervisor if you cannot settle this with the adjuster. It is possible he did not include the deductible on your homeowner policy. Do you know what your deductible is?
NOTE: The IMPORTANT NOTICE below is a part of this answer!
IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.