Why is My Insurance Adjuster So Mean to Me? Unraveling the Mystery!

Troy Willis
May 1, 2023
2 min read

We've all been there - you've had an unfortunate incident that has left you with damages or losses, and now you're left to deal with the dreaded insurance adjuster. You've paid your premiums diligently, and now when you need your insurance company to have your back, your adjuster is being less than pleasant.

But why? Why are they so mean to you when you're just trying to get the help you need? In this blog, we'll explore the possible reasons behind the seemingly cold behavior of insurance adjusters and provide some tips on how to deal with them effectively.

First and foremost, it's important to remember that insurance adjusters are not inherently mean people. They are professionals doing their job, and their primary responsibility is to protect the interests of the insurance company. This often involves questioning claims, scrutinizing details, and trying to settle for the lowest amount possible. It's not personal - it's just business.

Insurance adjusters deal with many claims and clients simultaneously, and their workload can be overwhelming. They're under constant pressure to settle claims quickly and efficiently while ensuring they're not paying out more than necessary. This high-stress environment can sometimes result in a seemingly "mean" demeanor.

Unfortunately, insurance fraud is a significant issue, and adjusters need to be vigilant in detecting any potential fraudulent claims. As a result, they may come across as overly suspicious or accusatory. Keep in mind that they're not necessarily targeting you personally, but they are trying to protect the company from potential scammers.

Sometimes, what we perceive as mean behavior is simply a result of miscommunication or misunderstanding. Adjusters are trained to be concise and to the point, which may come across as blunt or even rude. Make sure you understand the context of the conversation and ask for clarification if you're unsure.

Tips for Dealing with Your Insurance Adjuster:

Now that we understand why insurance adjusters might seem to mean, let's look at some ways to make your interactions more pleasant and productive:

Before speaking with your adjuster, make sure you have all the necessary documents and information to support your claim. This includes any relevant receipts, photographs, and detailed descriptions of the damages or losses. By providing accurate and complete information from the start, you'll make the process smoother for both you and the adjuster.

Although it may be difficult to remain calm when you're dealing with a seemingly mean adjuster, it's essential to maintain a level head. Being rude or confrontational will only make the situation worse and could potentially harm your claim. Instead, be respectful and professional in your interactions, even if you feel the adjuster is not treating you fairly.

Document all conversations and interactions with your insurance adjuster. This includes phone calls, emails, and in-person meetings. By keeping a record of everything that is said and done, you'll have a solid foundation in case any disputes arise.

Familiarize yourself with the terms and conditions of your insurance policy, as well as your rights as a policyholder. If you feel your adjuster is not treating you fairly, don't hesitate to escalate the issue to their supervisor or contact your state's insurance department for assistance.