What to Do After Your Insurance Adjuster Gives You an Estimate
- Grant Insurance
- Apr 21
- 3 min read
When your insurance adjuster hands you their estimate after a claim, it’s a key moment. This estimate sets the stage for your repairs or replacements. But what comes next? How do you make sure the work gets done right without unexpected costs? We will walk you through the steps to take after receiving that estimate. This will help you avoid surprises and keep your claim on track.
Review the Adjuster’s Estimate with Your Contractor
The first thing we recommend is to sit down with your contractor and go over the insurance adjuster’s estimate together. This step is crucial because the adjuster’s numbers might not fully cover the actual cost or scope of repairs.
Compare line items: Check if the materials, labor, and repairs listed match what your contractor says is needed.
Identify missing work: Sometimes, the adjuster might miss damage or necessary fixes. Your contractor can spot these gaps.
Discuss quality and brands: The estimate might specify certain materials or brands. Make sure these align with what your contractor plans to use.
If your contractor’s estimate is higher or includes work not in the adjuster’s report, don’t panic. This is common. The key is to get your contractor’s detailed estimate in writing. Then, you can send it back to your adjuster for review.
Send Your Contractor’s Estimate to the Adjuster
Once you have your contractor’s estimate, share it with your insurance adjuster. This opens a conversation to adjust the claim if needed. Here’s why this matters:
Avoid paying out of pocket: If you start repairs without approval for the higher cost, you might have to cover the difference yourself.
Keep the claim accurate: The adjuster can update the estimate to reflect the true cost of repairs.
Speed up approvals: Clear communication helps avoid delays later on.
Be sure to keep copies of all estimates and communications. This documentation protects you if questions arise.
Inform Your Adjuster if Repairs Will Take Longer Than 180 Days
Most insurance policies give you 180 days to complete repairs after a claim. But sometimes, especially after storms or in busy areas, repairs take longer. If you expect delays, tell your adjuster right away.
Explain the reason: High claim volume, contractor availability, or supply delays are common causes.
Ask for a note in your file: This helps protect you from losing coverage or claim benefits due to timing.
Stay in touch: Keep your adjuster updated on progress and any changes.
This step is often overlooked but can save you from headaches later.
Use Trusted Local Contractors for Accurate Estimates
Working with a reliable local contractor can make a big difference. Look for contractors familiar with local building codes and insurance processes. They can provide accurate estimates that match what insurance companies expect. If you want help finding reliable contractors or have questions about your claim, consider reaching out to your insurance agent for guidance.
Steps to Take After Receiving Your Adjuster’s Estimate
Here’s a quick checklist to keep you on track:
Review the estimate carefully with your contractor.
Get a detailed estimate from your contractor if their costs differ.
Send your contractor’s estimate to your adjuster for review and approval.
Communicate any expected delays in repairs to your adjuster immediately.
Keep all documents and communications organized and accessible.
Use trusted local contractors who understand insurance claims.
Following these steps helps you avoid paying unexpected costs and keeps your claim moving forward.
What Happens If You Don’t Follow These Steps?
If you skip reviewing the estimate with your contractor or fail to communicate delays, you could face problems like:
Paying out of pocket for repairs not covered by the insurance estimate.
Claim denial or reduced payout if repairs take too long without notice.
Delays in getting your home or business back to normal.
Taking a little extra time upfront saves money and stress later.
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