How Does an Accredited Claims Adjuster Process Storm Damage?

Accredited claims adjusters play a critical role in evaluating and processing storm damage claims, ensuring that policyholders receive fair compensation for their losses and that the claims process is handled in a professional and ethical manner.

In the event of a storm, an accredited claims adjuster’s role is to assess the damage caused to property and determine the amount of compensation that should be paid out to the policyholder.

house in flood water

There are typically seven steps that an accredited claims adjuster typically takes when processing storm damage:

1. Initial assessment: The claims adjuster will first visit the property that has been affected by the storm to assess the extent of the damage. They will take photos and document the damage in detail, including any structural damage, damage to personal property, and any other issues caused by the storm.

2. Review policy coverage: The adjuster will then review the insurance policy to determine the coverage and limitations of the policy. They will assess whether the damage is covered by the policy and what the policy limits are for the different types of damage.

3. Determine cause of damage: The adjuster will investigate the cause of the damage and determine whether it was caused by the storm or if it was pre-existing damage. They may also consult with experts such as engineers or meteorologists to determine the cause and extent of the damage.

4. Estimate repair costs: The claims adjuster will then estimate the cost of repairing the damage. They will use industry-standard cost estimation tools to determine the cost of repairs and replacements, and may also get estimates from contractors and other professionals.

5. Negotiate settlement: Once the adjuster has determined the extent of the damage and the estimated repair costs, they will negotiate a settlement with the policyholder. The settlement will be based on the policy limits and the estimated repair costs, and may also take into account any deductibles or other policy limitations.

6. Finalize settlement: Once the settlement has been negotiated, the claims adjuster will work with the policyholder to finalize the settlement. This may involve signing legal documents and providing proof of the damage and repair costs.

7. Payment: The final step is for the claims adjuster to authorize payment to the policyholder for the settlement amount. This may involve working with the insurance company to process the payment and ensure that it is distributed to the policyholder in a timely manner.

hurricane damage on a house roof

Throughout the process, the claims adjuster will work closely with the policyholder to ensure that they understand the process and are kept informed about the progress of their claim. They will also be responsible for managing any disputes or issues that arise during the claims process.

To become an accredited claims adjuster, individuals must complete specialized training and pass a series of exams to demonstrate their knowledge and expertise in the field. They must also adhere to strict ethical standards and comply with all relevant regulations and guidelines.

For more information on how to earn your 6-20 ACA designation and join this growing field, we invite you to call our Clermont, Florida office at 1-800-309-2459 or read more about the accredited claims adjuster certification process on our website. In Florida, once you earn your 6-20 accredited claims adjuster designation, you can apply to the state for your all-lines adjuster license. Taking our final exam will exempt candidates from taking the state exam.

Are you a retired military veteran looking to start a second career? We may be able to help you! Our 6-20 Accredited Claims Adjuster designation has been popular for those coming out of the military and looking for their next career. Read one of our blogs to learn more:

For more information we welcome you to give us a call at 1-800-309-2459.


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