Having an insurance adjuster inspect your property after a claim can already feel stressful, but what happens if the adjuster accidentally causes damage during their investigation? Whether it’s knocking over a valuable item or damaging part of your property, it’s an unexpected situation that leaves many homeowners unsure about their rights. Understanding your options can help you feel more confident about handling this kind of scenario.
Let’s take a look at what steps you should take, what responsibilities the adjuster holds, and how to protect your interests if this happens to you.
Who Is Responsible for Damage Caused by an Insurance Adjuster?
When an insurance adjuster breaks something while inspecting your property, the first question is often, “Who is responsible for this?” Generally, adjusters are acting on behalf of the insurance company, which means the company may be held accountable for the damage.
However, determining responsibility depends on a few factors:
Was the damage accidental or due to negligence?
Is the damage related to the adjuster’s inspection duties?
How does the adjuster’s contract with the insurer address liability?
In most cases, the insurance company should address damages caused by their adjuster. It’s important to document everything, including photos and a written account of the incident, to support your case if there’s pushback.
What Should You Do if Damage Occurs?
If an adjuster causes damage, your next steps are crucial for resolving the issue quickly. Start by notifying them immediately and asking for their supervisor’s contact information. Stay calm and avoid making assumptions or agreements on the spot. The more detailed your documentation, the easier it will be to resolve the issue later.
Taking clear photos of the damage and writing a detailed account of the incident can help protect your case. Ask them to report the situation to their company, ensuring there is a record of the issue from the start.
Can You File a Claim for Adjuster-Caused Damage?
In many cases, homeowners can file a claim with the insurance company if an adjuster causes damage during an inspection. The company may offer to repair or replace the damaged item, but this depends on their internal policies and whether they accept responsibility.
If the insurance company refuses to address the issue, you may need to take further action. Consulting an experienced property damage attorney ensures your rights are protected, and it can make all the difference when dealing with reluctant insurers.
What Legal Protections Do Homeowners Have?
Homeowners in Florida have certain protections when dealing with insurance companies and their representatives. If an adjuster damages your property and the company fails to take responsibility, you may be entitled to compensation. Legal recourse is available if the company acts in bad faith by denying your claim or refusing to address the damage caused during their investigation.
An attorney can help you pursue compensation and hold the insurance company accountable for the adjuster’s actions, ensuring your rights as a homeowner are upheld.
Protect Your Rights as a Homeowner
Dealing with property damage caused by an insurance adjuster can be frustrating, but you don’t have to handle it alone. Whether you’re unsure of your rights or facing resistance from the insurance company, consulting with an experienced property damage attorney can make all the difference.
Our property insurance claim firm led by me, Kyle B. Staggs, Esq., specializes in helping Florida homeowners navigate these complex situations. If you’re dealing with damage caused during an insurance inspection, contact us today to schedule a consultation and protect your property and peace of mind.
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