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Texas Department of Insurance
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Working with an insurance adjuster


When you file an insurance claim, the insurance company’s adjuster probably will be the person you deal with most often. Understanding the adjuster’s role and your options can help the claims process go more smoothly.

  1. The adjuster's role

    The adjuster works for the insurance company paying the claim. They will review what happened and estimate the claims payment. The adjuster may inspect the damages, look at police reports, talk to witnesses, or ask for more information when reviewing your claim.

  2. Working with the adjuster

    Try to be there when the adjuster inspects the damage to your home, car, or property. Make sure they don’t miss anything. Here are some other tips for working with the adjuster:

    • Ask when you should expect the insurance company's offer.
    • Get the adjuster's contact information and the best time to call.
    • If you have trouble reaching the adjuster or other issues, call the insurance company. Just can’t work it out? You can ask the company to assign a different adjuster.
  3. If you disagree with the adjuster

    If you disagree with the adjuster's estimate, tell the insurance company why. They may adjust the offer. If you still disagree, you have several options. To learn about them, go to: What if my insurance isn't paying enough?


Questions? Call us at 800-252-3439.

Last updated: 5/15/2024