A Guide to Property Adjusters Many of the insurance companies in their marketing messages will not inform you about the role of property adjuster when you lose your house to an accident. When an accident occurs many property owners assume that they will be compensated after filling the claims form. Only when accidents occur resulting in losses to the property owner come to interact for the first time with property claims’ appraisers. Therefore it is important to understand the functions performed by casualty adjusters. Activities carried out by the property claim appraisal department in insurance company are. They investigate the accident. This is done to ensure the accident is not a result of the property owners’ negligence or it was intentionally caused. To do this, the appraiser will question various partied which are either involved or were witness to the accident. They will get the police statements issued. Property claim appraisers are also responsible for estimating the spread of the accident on the property. Purpose being to give a financial amount to the level of damage. This information form the basis for the amount of compensation. The property adjusters also find out whether the accident was the as result of the insured risk. For example if the house was covered against the risk of fire, but the cause of the fire was arson then the owner will not be compensated. Also, the casualty adjuster will find out whether the insurance contract was valid at the time of the occurrence of the accident.
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It is very likely the decision made by casualty adjuster to be biased against the home owners. Making it necessary for the insurance client to get independent property appraisers to represent them. The functions of an independent personal casualty agent are. They help the property owner in filing of the claim form. People usually undermine the importance accuracy in this stage because they do not understand the insurance company may deny liability as a result of inaccurate claims form. Therefore getting a casualty adjuster will direct you throughout the process of filing the claim form.
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Personal property adjuster will also oppose biased reports presented by the insurance company’s casualty adjusters. The inaccuracies in the insurance report claim is supported by the personal casualty adjusters having their testimonials. Then the two property adjusters will compare their finding and agree on the most accurate one. They negotiate on behalf of the home owners on the terms of settlement. This involves bargaining on the actual value of the loss. The insurance company aims to pay the least possible amount. Therefore it is the work of your property adjuster to negotiate a fair compensation.

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