Posted On: May 24, 2004, 5:23 pm CDT

Posted By: Public Adjuster

I've seen insurance companies pay/administer these policies every way that is possible. Some Flood Adjusters are honest and accurate,& even occasionally generous. Some are Rotten and terrible individuals with stinking attitudes that should not be in the business they are in.
Most insured's do not understand what is covered or how to make an effective claim, so lacking those skills would be better off letting a Professional represent their claim. If you have the time and the skills to adjust your own claim, "Go for it."
Unless you have access to estimating software with a valid pricing database you are pretty much just guessing, or at the mercy of whichever adjuster you get.
Yes, some carriers tweak their prices down, based upon unrealistic expectations from local contractors, then deny any manipulation. Actually, the guy they got their prices from died about 20 years ago. If you don't need a public adjuster, OK fine, until you see how your adjuster is going to treat you, it's sort of a crap-shoot anyway, but after the adjuster has made his mind up, Good Luck on getting any additional consideration.
Don't forget these adjusters are just people, so, when you come up to them spouting "Policy Limits" without any supporting documentation, they tend to group you with all the other crazed, greedy, people they have already dealt with in the past. It's Insurance, not the "Lottery."