Your insurance company may assign your claim to an insurance adjuster. The job of the adjuster is to save the insurance company money, determine the insurance company’s liability and put a monetary value on your claim. At some point, your company’s representative will contact you.
Their agent will ask you many questions about your claim. They may even call you into an examination under oath. If you find yourself with a summons to an examination under oath, do not hesitate to contact an experienced insurance attorney. During this whole process, the insurance company is not on your side. Having a lawyer to fight for you will make the process smoother.
The insurance adjuster will offer you an initial settlement offer that is congruent with how much they think the claim is worth. If the amount is not enough to cover everything and you feel entitled to more, make sure to deny the initial offer. Contact an attorney immediately to discuss the validity of your claim. An attorney will have the negotiation skills necessary to get your insurance company to comply.