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

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

Answer
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?.
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Alexah Grinnell
Answered on Mar 12, 2021
Alexah Grinnell has been working in the insurance industry for 5 years with a primary focus of coverage consulting in the sales department. She has been working for Jerry Insurance since July of 2019 and has also has experience working for AAA and State Farm. She currently lives in Rochester, NY with her husband and 3 kids
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