How to work with an insurance claims adjuster

An adjuster is your main point of contact during much of the claims process. Their role is to:

• Review your claim: This includes looking at your policy details and the circumstances of your loss.

• Inspect damages: They may schedule an inspection in person, request photos, or both.

• Ask questions: Be prepared to answer their questions about the incident and damages, and provide any supporting documentation.

• Work toward resolution: The adjuster will help determine which coverages are applicable and provide updates as your claim progresses.

Clear, timely communication helps ensure your claim is handled quickly and efficiently. To help speed things up, have your policy number, date and time of loss, and any documentation (photos, police reports, invoices) ready when you speak with your claims adjuster. If you’re unsure of something, say so—it’s better than guessing.

Be sure to ask your insurance claims adjuster questions. Here are a few to consider:

• What are our next steps?

• Do you need any additional documentation from me?

• How will you communicate with me (phone, email, Sentry customer portal)?

Myth: Insurance adjusters work against policyholders.
Reality: Adjusters are responsible for evaluating claims fairly based on policy terms. At Sentry, our claims team is here to help you through the process, not to make it harder.

Myth: If I say too much, it could hurt my claim.
Reality: Honesty is critical. Withholding details can delay your claim and may cause additional complications later.

Myth: My adjuster’s first settlement offer is final.
Reality: Adjusters often start with an initial assessment, and additional information can lead to updates or adjustments.

Working with an adjuster doesn’t have to be stressful; it can be straightforward when you’re prepared and proactive. By staying informed, you can help support a smooth claims experience.