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Claims Adjuster Experience – My Own Claim Problems


My Claims Adjuster Experience – Insight to My Homeowners Claim

Last month, I had my own claims adjuster experience.  I will not go into the name of my homeowner’s policy insurance carrier or the nature of my claim.  My insurance carrier ranks in the top 5 nationwide.  The claim was weather-related.   I was not able to stay in the house due to the damage.

pic of Hurricane Isabel claims adjuster experience
(c) NASA

My claims adjuster experience started with going on an app that I downloaded from the carrier years ago.  The process was easy to accomplish – most of the info automatically filed in as I went through the screens.

The start of my claims adjuster experience began with Kyle (his real name) calling me within 24 hours to get a statement from me about what exactly happened to cause the damage.  His demeanor was professional and caring.  My first claims adjuster experience contact with Kyle was positive.  An emailed letter arrived right after our phone call to confirm everything.

I originally delayed reporting the claim for two days.  I wanted to survey the damage before reporting it.   I had already called out a repair company to prevent more damage and fix the problem.  Kyle was OK with that and did not attempt to direct me to a carrier-related/approved repair company. 

Kyle gave me a simple list of what he needed to approve and pay the claim.  Within two hours a confirmation letter of what he needed from me for verification arrived in my inbox.  My claims adjuster experience rated excellent so far.

The repair company finished in two days.  They signed a statement that the repairs performed were related to the weather event.  Kyle had contacted them to ask for the signed statement within 24 hours after the repairs were completed.

Upon receiving the signed statement, a reimbursement check was electronically issued less the deductible within 24 hours.  Kyle called me and also followed up with a letter within 24 hours after receiving the signed statement from the repair company.  He very simply explained the way he calculated the reimbursement.  Once again, his demeanor was professional.  Kyle also wanted to make sure that I felt like I was treated fairly.

The claims process remained low-stress the whole time. I did not tell the adjuster that I had a claims background.

Excellent Experience

My claims adjuster experience from filing to resolution makes me think the carrier had trained their adjusting staff well.  If one looks at the bolded words, the adjuster did what I always expected of myself and any claims staff that ever worked for me.

The claims experience is the product I received for my homeowner’s insurance premiums.  The bottom line was the claim resolution was fast, fair, professional, and explained well to me.  Kudos.



James J Moore - Workers Comp Expert

Raleigh, NC, United States

About The Author...

James founded a Workers’ Compensation consulting firm, J&L Risk Management Consultants, Inc. in 1996. J&L’s mission is to reduce our clients’ Workers Compensation premiums by using time-tested techniques. J&L’s claims, premium, reserve and Experience Mod reviews have saved employers over $9.8 million in earned premiums over the last three years. J&L has saved numerous companies from bankruptcy proceedings as a result of insurance overpayments.

James has over 27 years of experience in insurance claims, audit, and underwriting, specializing in Workers’ Compensation. He has supervised, and managed the administration of Workers’ Compensation claims, and underwriting in over 45 states. His professional experience includes being the Director of Risk Management for the North Carolina School Boards Association. He created a very successful Workers’ Compensation Injury Rehabilitation Unit for school personnel.

James’s educational background, which centered on computer technology, culminated in earning a Masters of Business Administration (MBA); an Associate in Claims designation (AIC); and an Associate in Risk Management designation (ARM). He is a Chartered Financial Consultant (ChFC) and a licensed financial advisor. The NC Department of Insurance has certified him as an insurance instructor. He also possesses a Bachelors’ Degree in Actuarial Science.

LexisNexis has twice recognized his blog as one of the Top 25 Blogs on Workers’ Compensation. J&L has been listed in AM Best’s Preferred Providers Directory for Insurance Experts – Workers Compensation for over eight years. He recently won the prestigious Baucom Shine Lifetime Achievement Award for his volunteer contributions to the area of risk management and safety. James was recently named as an instructor for the prestigious Insurance Academy.

James is on the Board of Directors and Treasurer of the North Carolina Mid-State Safety Council. He has published two manuals on Workers’ Compensation and three different claims processing manuals. He has also written and has been quoted in numerous articles on reducing Workers’ Compensation costs for public and private employers. James publishes a weekly newsletter with 7,000 readers.

He currently possess press credentials and am invited to various national Workers Compensation conferences as a reporter.

James’s articles or interviews on Workers’ Compensation have appeared in the following publications or websites:

  • Risk and Insurance Management Society (RIMS)
  • Entrepreneur Magazine
  • Bloomberg Business News
  • WorkCompCentral.com
  • Claims Magazine
  • Risk & Insurance Magazine
  • Insurance Journal
  • Workers Compensation.com
  • LinkedIn, Twitter, Facebook and other social media sites
  • Various trade publications


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