How do adjusters decide how much to pay out for home insurance claims?

Answered by Home Insurance, Car Insurance Expert Alexah on January 15, 2021

Jeff asked

I'm planning to file a claim for some damage to my detached garage and shed. This has me wondering how adjusters settle claims.

expert avatar


Home Insurance, Car Insurance Expert

When you start an insurance claim on your homeowners policy, the insurance company will send an adjuster to your home to review the damage. They will perform an inspection, and they may ask you questions to help determine the condition of the property before the damage occurred. This will help the adjuster figure out what the compensation should be to repair or replace the damaged property. You are also entitled to do your own research to make sure the estimates and value they provide for your property are accurate and fair.

For more information on this topic, check out this article: What Does an Insurance Adjuster Do?.

Home Insurance

Have an insurance question?

Our insurance agents are ready to help you, for free.

Ask your question, it’s 100% free
Thousands of customers saved on average $887/year on their car insurance with Jerry
This app is great, but the customer service is even better! Not to mention convenient! My husband and I got the lowest rate (much lower than the rates I was finding online through my own searches), quickly, and pretty much all through text message! Thank you so much for a hassle free experience👍
Gabriella R.
Find savings (100% Free)
stars4.6/5 Rating on App Store