INSURANCE 101: Tornado claims and getting a fair settlement

By Denis Rowe AIC, SPPA, PCLS

As a licensed advocate for policyholders I am frequently asked a couple of questions: One, should a property owner trust the insurance company’s adjuster to fairly, and equally, represent their employer’s interest and also the homeowners? And two, what can someone do if the carrier appears to be paying them less than what they believe is fair?
My answer to the first question is rather simple: the adjuster assigned to your claim should be given the benefit of the doubt and, at a minimum, allowed to do their job of