Do You Have to Accept Your Insurance Adjuster’s First Offer?

Your insurance provider hires adjusters who assess your claim and decide how much your insurer will cover for your repair or replacement cost. A contractor can be a paid employee or an independent contractor of your insurance company.

From a financial point-of-view, insurance companies want to pay the least amount they’re legally obliged to pay. Your insurer may call their adjuster an analyst or representative. An adjuster’s main goal is to examine your claim and close it as fast as possible, for the smallest amount as possible. Often, this results in homeowners disagreeing with the adjuster and believing that the estimate is too low.

Hiring a general construction contractor with experience in insurance claims can help with your claim. At Timberland Exteriors, we are a preferred contractor for many insurance companies. We are trusted to properly assess your home and make sure that nothing is missed.

You should never feel intimidated when negotiation with your adjuster. Many insurance companies expect the policyholder to negotiate or hire a public adjuster that’s why they make a low initial offer. This is a win-win situation for an insurance company. They usually have a more reasonable offer once you reject the first one. If you accept it, your insurer avoids a drawn-out claim, while saving money.

Keep in mind that a home insurance company is a mutual contract. Your contract states that your insurance provider must cover certain kinds of damages. In refusing to do so, the company may be acting in bad faith, making them liable for lawsuits.

Timberland Exteriors is the area’s leading provider of exterior home remodeling services. Call us at 651-439-1760 or (218) 849-6675. You may also fill out our contact form to get a free estimate. We work with clients in Minneapolis, MN.

< Older Post

Newer Post >

Contact Us

Interior view of a room with large glass sliding doors overlooking a patio and a house.

Entry Doors vs. Patio Doors: Which is Best for Your Home?

October 8, 2025

Choosing the right doors for your home is more than just a design decision; it impacts security, energy efficiency, and overall curb appeal. Doors are a major focal point for any home, and the right choice can enhance both the look and functionality of your living space.

Rear view of two-story house with brown siding and multiple windows. Blue sky and green grass.

Choosing the Right Windows for Energy Efficiency and Curb Appeal

September 11, 2025

When it comes to home improvement, few elements make as lasting an impression as your windows. They not only define the character of your home from the outside but also play a crucial role in comfort and energy savings on the inside. Choosing the right windows can enhance your property’s curb appeal,

Beige soffit and gutters on a brick house with a dark shingled roof against a blue sky.

Why Soffit and Fascia Play a Key Role in Your Roof’s Health

August 15, 2025

When it comes to roof maintenance, most homeowners focus on shingles, flashing, or gutters. But two of the most critical—yet often overlooked—components are the soffit and fascia. These structural elements play a silent but vital role in maintaining your roof’s integrity, ventilation, and overall curb appeal.

A brick house with a gutter on the side of it

The Importance of Gutter Maintenance for Your Home’s Protection

July 18, 2025

Gutters play a critical role in the overall health of your home, protecting both its exterior and the foundation. While they are often overlooked, regular gutter maintenance is essential to ensuring that your home remains safe, dry, and structurally sound.