Adjusters aren’t in a position to determine scope.
Too many times, I’ve seen insureds give away their negotiating leverage by asking their insurance adjuster for permission.
Adjusters aren’t in a position to determine scope. They aren’t in a position to determine cost.
Their job is to determine coverage.
So why do so many folks turn into Oliver and start asking for another bowl of pourage? Because that’s what they’ve been led to believe is the right thing to do.
I don’t buy it.
“Mr. McCabe makes very good points. The policyholder is not in a position where he should be “asking” for money from his insurance company. He should be in a position where he can prove that he has a loss and show what it will cost him to restore himself to his pre-loss condition. His questions for his adjuster, if he has any, should be pertaining to his coverage. Adjusters can give “estimates”, but I have never seen an insurance policy that limits the carrier to pay what is “estimated” to be the actual loss.
~Jim Bushart James H. Bushart, Missouri Public Adjuster
Also published on Medium.