How do I get my insurance adjuster to pay more?

Asked by: Mr. Juvenal Grimes  |  Last update: October 20, 2025
Score: 4.6/5 (19 votes)

Write a letter to your adjuster explaining why you believe the offer was too low. Include copies of any evidence you've gathered, and ask for a response within a specific timeframe, such as five business days. Be polite but direct. Let your adjust know that this offer will not cover your home repairs.

How to get more money from an insurance adjuster?

Investigate your case to gather evidence that supports your request for compensation. Represent you in interactions with adjusters and other attorneys. Review and explain your policy terms and any laws that apply. Analyze settlement offers and negotiate terms that include past and future losses.

What not to say to an insurance claim adjuster?

Eight things NOT to say to an insurance adjuster are:
  • admitting fault,
  • anything about your injuries,
  • anything on the record,
  • speculating about the crash,
  • that you do not have a lawyer,
  • providing unnecessary information,
  • accepting a settlement, and.
  • sharing medical records.

How do I ask for more money in an insurance settlement?

Get the Adjuster to Justify a Low Injury Settlement Offer

Instead, ask the adjuster to give you specific reasons why the offer is so low, and make notes of what he or she tells you. Then write a brief letter responding to each of the factors the adjuster has mentioned.

What reduces the amount paid in a claims settlement?

Contributory Negligence: Insurers may try to shift blame onto you to reduce or eliminate their payout. Threatening Litigation: Some insurers use the threat of a lengthy legal battle to pressure claimants into accepting lower settlements.

9 Questions Insurance Adjusters DON'T Want You To Ask

41 related questions found

How do I increase my settlement offer?

Send a Detailed Demand Letter to the Insurance Company

Not only will this help the entire filing process easier, but it will help increase your odds of getting a higher settlement offer.

How to get more money out of an insurance claim?

Steps to Argue for More Money on Your Total Loss Claim
  1. Ask for the Valuation Report.
  2. Research the Comparables on the Valuation Report.
  3. Dispute Any Condition Adjustments on the Comparables.
  4. Send Your Own Comparables to the Adjuster.
  5. Consider Hiring an Appraiser.

How can I maximize my insurance payout?

Document Every Detail: Keep detailed records from the initial incident to follow-up conversations. Taking photos, saving receipts, and recording interactions with the insurance adjuster will strengthen your claim. Stay Organized: Keep all claim-related documents in one place.

What is a reasonable settlement figure?

A reasonable proposed settlement figure is one that takes into account the amount of awards juries in your area have made in recent, similar cases. Your initial settlement demand should be a number that's high enough to leave you room for negotiation.

How do I ask for higher compensation?

What are some key steps for negotiating salary? First, express your enthusiasm for the position and appreciation for the initial offer. Next, make your case for a higher salary by highlighting your experience and skills. Ideally, you should also provide market research that supports your request.

How do I convince my insurance adjuster?

Know What You Want: When you talk to the insurance claims adjuster, be clear about what you're asking for. Don't leave it up to them to decide how much money you should receive. Instead, give them a specific number that you feel is fair. Also, be sure to have documents to substantiate your claim for that price.

How do you beat claims adjuster?

What Is the Single Best Way to Scare an Insurance Adjuster?
  1. Write a convincing demand letter to your insurance company.
  2. Carefully review any settlement offers you receive.
  3. Reject a settlement offer in writing on your behalf.
  4. Counter your lowball settlement offer.

What should you not say to a loss adjuster?

Understand that everything you say whether in person or over the phone, can be used against you in their final assessment. Avoid providing incomplete or potentially detrimental information that could be used to lower the settlement offer, like failing to mention pre-existing damage.

Can you ask for more money when your car is totaled?

In some cases, you may get more insurance money for a totaled car than for repairs. In addition, it is possible to negotiate a higher settlement by providing evidence that your car was worth more than the insurance company's initial valuation.

How to negotiate pain and suffering?

How to Negotiate Pain and Suffering in a Car Accident Claim
  1. Prepare well. ...
  2. Learn about pain and suffering. ...
  3. Keep your tone with the adjuster professional. ...
  4. Explain how the injury affected your life. ...
  5. Do not be shy. ...
  6. Tell the insurance adjuster how painful the whole experience was. ...
  7. Explain how painful the treatment was.

How much do adjusters make per claim?

The adjuster will receive between 60-70% of the fee, with the other 30-40% going to the adjusting firm they work for. Hurricane adjusters can easily average a $10,000 settlement per claim, which would put between $400 and $500 in their pocket per claim.

What's a good settlement offer?

A reasonable settlement offer is one that adequately covers your medical expenses, lost wages, and any additional losses you have experienced, although it can vary significantly from one claim to another.

How much does insurance pay for pain and suffering?

Insurance companies typically don't have a set amount they pay for pain and suffering. The compensation varies widely depending on the specifics of each case, including the severity of injuries, impact on daily life, and long-term consequences. Many times, the value of pain and suffering damages depends on negotiation.

What is acceptable settlement?

If your foundation is settling into the soil beneath it, experts consider anything more than 1 inch for every 20 feet as too much.

How do I get extra money from my insurance claim?

It's essential to gather all the necessary evidence to demonstrate the extent of the damage and the costs of repair or replacement. To show proof, you should start by taking photos and videos of the damaged property. You can also keep a detailed inventory of damaged items, including their age, condition, and value.

How to negotiate a higher settlement?

  1. Prepare Well for the Settlement Agreement Negotiation. ...
  2. Decide which negotiation tactics to use. ...
  3. Ask for a Protected Conversation with your Employer. ...
  4. Don't ask for too much. ...
  5. Don't ask for too little. ...
  6. Find out how the settlement payments will be taxed. ...
  7. Consider non-financial matters. ...
  8. Get a free consultation at an early stage.

Can you request a new claims adjuster?

Even if you don't hire a private claims adjuster, you can still work with the insurance company's adjuster. If you're not pleased with the initial adjuster that your insurance provides, you can contact them and request a new person.

How can I increase my insurance settlement?

Follow these steps to get more money from your car accident settlement:
  1. Don't be in a rush to settle.
  2. Get all the medical treatment you need.
  3. Consider hiring a lawyer.
  4. Do not take the first offer (or the second)
  5. Seek professional legal advice about the value of your case.

How do I argue with my insurance adjuster?

If an adjuster offers less than you believe is fair, don't be afraid to push back. Voice your disagreement calmly and respectfully. Explain your reasoning and provide evidence to justify asking for a higher settlement. Make a reasonable counteroffer based on your documentation.

Can you ask for more money on a claim?

While you can technically negotiate a better settlement offer with the at-fault driver's insurance company on your own, they often don't make the process simple or easy. Insurance companies often insist they cannot pay a penny more than their initial offer.