Can Insurance Make Me Pay to Add Personal Items to My Claim?
I submitted a lightning strike claim in July 2024, and an adjuster along with a strike team came out to assess the damage to various items, including my A/C Heat Pump and Home Theater system. Unfortunately, some items were overlooked because they couldn’t be properly tested without the damaged components themselves.
In October, I discovered additional damaged items, prompting another strike team to visit. While they checked some items from the previous list, they refused to assess one item included by the adjuster and two new items I identified just the day before their arrival.
In November, I requested another strike team or adjuster to evaluate the items that had been missed. However, the adjuster informed me that a third visit wouldn’t happen, as it wouldn’t be cost-effective, and advised against submitting those items through my claims portal. Instead, I was told to find a technician to provide an affidavit stating that the items were damaged by lightning. Unfortunately, no local techs or repair shops are willing to assist with that.
This situation leaves me with the option of hiring an outside adjuster, which would cost nearly as much as replacing the damaged items themselves. I thought it was the adjuster’s responsibility to determine whether the items I claimed should be added to the investigation. Is paying an outside adjuster really my only choice to include my damaged items in the claim?
It sounds like you’re in a frustrating situation, and it’s understandable to feel overwhelmed by the claims process. In general, insurance companies do have the right to request documentation or evidence for additional items you wish to add to your claim, especially if those items weren’t inspected during previous visits.
Here are a few points to consider as you navigate this situation:
Understanding Policy Protocols: Insurance policies can vary, and the requirements for adding items to a claim may be outlined in your policy documents. It’s worth reviewing your policy or discussing it directly with your insurer to understand their specific requirements for adding items.
Role of the Adjuster: While your adjuster’s job is indeed to evaluate and determine the legitimacy of claims, if they are saying that they cannot re-evaluate without an affidavit or additional proof, you might have to find a workaround. It may not be typical, but some circumstances can necessitate additional proof or support.
Importance of Documentation: If you can’t find a local tech or repair shop willing to provide an affidavit, consider documenting your findings thoroughly. Take photos, keep records of any communications with techs, and gather any relevant information that can help support your claim.
Hiring an Outside Adjuster: While it does come at an additional cost, hiring an independent adjuster can sometimes be beneficial. They may have experience negotiating with insurance companies and can advocate on your behalf, potentially justifying the inclusion of those missed items more effectively than you could on your own.
Filing a Formal Complaint: If you feel that your insurer is unresponsive or not acting within the best interest of your claim, consider filing a complaint with your state’s insurance department. They can often provide guidance or intervene if necessary.
Consider Negotiation: Before hiring an outside adjuster, it may be worth negotiating with your insurance company. Request a detailed explanation of why they won’t send a second team or how they determine what items qualify.
Remember, each claim and situation can be unique, so continuing to advocate for yourself and seeking support where possible is essential. You aren’t alone in this process, and there are resources available to help you navigate it.