What Not to Say to Your Insurance Adjuster
When you’ve just suffered property damage, you’re likely stressed, overwhelmed, and eager to fix things fast. But one of the most important conversations you’ll have is with your insurance adjuster the person assigned by your insurer to investigate the claim, assess the damage, and recommend a payout.
What you say during this conversation can directly impact how much money you receive or whether you get paid at all. This guide walks you through the most common verbal mistakes homeowners make when talking to adjusters, and what you should say instead to protect your claim.
Why Your Words Matter
Adjusters are trained to look for discrepancies, vague language, or even innocent admissions that may allow the insurance company to reduce or deny your claim. That doesn’t mean you should lie but it does mean you need to communicate clearly, factually, and with caution.
Common Mistakes to Avoid When Speaking With an Adjuster
“I think it happened last week… maybe earlier?”
Why it’s a problem: Uncertainty about the timeline makes it harder to prove the damage occurred within your coverage window.
What to say instead:
“The damage was first noticed on [exact date] and here are the photos I took that day.”
Tip: Use timestamps on photos or inspection reports to confirm timing.
“It was probably my fault… I left the heater on.”
Why it’s a problem: Admitting fault even casually can shift liability and hurt your claim.
What to say instead:
“I’m not sure exactly what caused it, but I can provide documentation and photos for review.”
Let the adjuster (or a third-party contractor) determine the cause based on evidence.
“Everything is ruined. I lost thousands of dollars.”
Why it’s a problem: Exaggeration can make you seem unreliable and prompt more scrutiny.
What to say instead:
“I’ve made an itemized list of the damaged property, along with estimated values and purchase dates.”
Stick to facts, not feelings.
“I didn’t think I needed to report that water leak a few months ago.”
Why it’s a problem: Mentioning prior damage that wasn’t reported may make the current issue look like wear and tear or neglect, which are typically not covered.
What to say instead:
“This is the first time I’ve seen water damage in this area. I’ll include a contractor’s opinion in the documentation.”
Avoid offering up information that could be misinterpreted.
“I’ve never filed a claim before!”
Why it’s a problem: This can come across as inexperience, encouraging the adjuster to test your knowledge or offer a lower settlement.
What to say instead:
“I’ve documented everything and am prepared to work through the claim process as needed.”
Present yourself as informed and prepared, even if it’s your first time.
“Do you think this will be covered?”
Why it’s a problem: You’re inviting the adjuster to speak as a gatekeeper of your coverage, which may lead to an unofficial (and possibly incorrect) denial.
What to say instead:
“Can you help me understand the next steps in processing this claim?”
Let the adjuster focus on their role: gathering facts and assessing damages not interpreting your policy for you.
Bonus Tip: Don’t Agree to a Recorded Statement Without Preparation
Some insurers request recorded statements. While they may sound harmless, they can be used against you if you misspeak. You are within your rights to say:
“I’m happy to provide a written statement after I’ve reviewed the situation further.”
Better yet, consult with a public adjuster or attorney before submitting a statement in complex claims.
Final Thoughts: Say Less, Show More
The golden rule: Stick to the facts. Be polite, but don’t speculate, over-explain, or volunteer unnecessary details. Use your documentation photos, receipts, contractor reports as your voice. Let the evidence speak for you.
Handling your adjuster conversation with care ensures you stay in control of the process, minimize disputes, and maximize your claim payout.
Up Next:
Still feeling unsure? In some cases, it pays to bring in a pro. Learn when and why:
>> Should You Hire a Public Insurance Adjuster?
