Can You Request a New Insurance Adjuster?

An insurance adjuster evaluates your claim, assessing damages and determining payout on behalf of the insurance company. They investigate the details of what happened, review reports, and estimate the claim’s value. While adjusters aim for fair and accurate processing, policyholders sometimes find themselves dissatisfied with the handling of their claim. It is generally possible to request a new insurance adjuster if you believe the current one is not adequately performing their duties.

Valid Reasons for a Request

Policyholders may consider requesting a new adjuster for several objective reasons. A common issue is a lack of consistent or clear communication, such as unreturned calls or emails within a reasonable timeframe, typically two to three business days. Another valid concern can be a perceived lack of expertise, especially if the adjuster seems unfamiliar with the specific type of damage or loss involved in your claim.

Unprofessional behavior, including dismissive attitudes or a clear bias against your claim, also constitutes a legitimate reason for a request. Significant, unexplained delays in the claim’s progression can warrant a change. It is important that any reasons for dissatisfaction are factual and, whenever possible, supported by documented interactions or evidence.

Steps to Request a New Adjuster

To request a new insurance adjuster, contact the adjuster’s direct supervisor or the insurance company’s claims department. Clearly state your request and document the date, time, and name of the person you spoke with.

It is advisable to follow up your verbal request with a written communication, such as an email or a formal letter, to create a clear record. Include your claim number, the name of your current adjuster, and specific, factual reasons for your request. Provide dates of interactions and examples of the issues you have encountered, maintaining a professional and objective tone throughout your correspondence.

Allow a reasonable timeframe for the insurance company to respond, typically within 7 to 10 business days. If you do not receive a response or a satisfactory resolution within this period, follow up again, referencing your previous communication. Persistent, documented communication helps ensure your request is addressed and provides a clear audit trail of your efforts.

What Happens After Your Request

After submitting your request, the insurance company will review your concerns and decide whether to assign a new adjuster. Your request may be granted or denied. If your request is granted, the company will typically notify you of the new adjuster’s name and contact information, and the claim will proceed.

If the request is denied, the insurance company may provide reasons for their decision or propose alternative solutions to address your concerns, such as an internal review of the claim. In such cases, they might offer to mediate issues or provide further clarification on the claim’s progress. Should you remain unsatisfied, you can escalate your complaint to your state’s department of insurance or seek legal advice.

Regardless of the outcome, maintaining clear and consistent communication with the insurance company is important. Continue to document all interactions and keep meticulous records of your claim. This diligent record-keeping supports your position and helps navigate the claims process effectively.