Hail Damage Adjuster | Adjustor Definition

Hail Damage Adjuster | Adjustor is a person who specializing in estimating hail damage.

Hail damage adjusters can specialize in automobile damage, roof hail damage, crop damage and many other areas of catastrophic hail storm damage.

Who is a hail damage adjuster?

A hail damage adjuster can be an independent adjuster or be employed by a large insurance company. Either way, they are trained and experienced in hail damage estimating. They are experts at dealing with and settling claims. They can spot fake or self-inflicted damage and other fraudulent attempts to take advantage of insurance companies. An adjuster knows the going rates and expenses that go along with repairing hail damage. When the damage in an area hits a certain threshold, it is known as a catastrophic event and a team of specially trained adjusters set up and are known as a C.A.T. Team. Each hail damage adjuster in a Cat team has been trained and has a lot of experience looking at dents and vehicle damage caused by storms since they travel from storm site to storm site for the entire season. If you file an insurance claim, the person you will meet with will be a hail damage adjuster.

How does a hail damage adjuster handle a claim?

When an adjuster gets assigned your claim, he/she will set up a time to inspect the damage. This is best done under controlled conditions. The vehicle should be clean and out of direct sunlight. The adjuster will inspect the vehicle one panel at a time, assessing the severity of the damage and entering in a repair or replacement cost for each panel and part of the car. They will add in any R&I labor or other services and any appropriate tax. The total of all of the damage will be printed out and they will usually give you a copy of the estimate. Depending on the insurance company and your policy, they may even cut you a check for repairs less your deductible on the spot.

 

Hail Damage Adjuster – By Dave Streen

 

Read about the next term: Aluminum – refers to the type of metal that the car panel is made with.

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