Anyone who has experienced burglary in their home will tell you it makes you feel violated, apprehensive and at a loss of your next move, especially when Insurer’s Loss Adjusters interrogate you as though you are the guilty party.
THE CLAIM EXPERIENCE
Once you call insurers, they will appoint a Loss Adjuster to validate the claim and check you have met the terms of your policy. Loss Adjusters are there to look after the interests of the Insurance Company. Despite their claim, they are not independent. If they find you have not met the conditions of your policy, they will attempt to refuse (repudiate) your claim. They will check the sums insured are adequate and attempt to significantly reduce any pay-out. Loss Adjusters usually rely on ex-policemen to interrogate policyholders and investigate the claim. Your history, financial obligations and status are questioned to look for motives that may implicate you. Why would you want to attempt this without any representation on your side?