Claims Adjuster in St. Louis

When you need a dependable claims adjuster in St. Louis, Inman And Associates Inc is here to help. Our adjusters are skilled in managing various claims, from property damage to personal injury. We take the time to thoroughly assess each case and ensure you receive a fair and just settlement.

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What Is the Adjuster’s Role in Claims?

A claims adjuster evaluates insurance claims and determines the amount of compensation a policyholder should receive. They play a critical role in the insurance industry, helping to ensure that individuals and businesses are properly reimbursed for losses covered under their policies.

Who Do Third-Party Claims Examiners Work For?

Third-party claims examiners, like our team, work for you. We’re independent from your insurer. Unlike in-house adjusters employed by insurance companies, we operate solely on behalf of our clients, the policyholders.

We’re the right choice when you want to protect your rights and avoid conflicts of interest. Our only priority is helping you secure the full compensation outlined in your policy.

Types of Claims Handled by Adjusters

A claims adjuster in St. Louis may handle various types of claims.

Some common ones include:

Property damage claims for homes, businesses, and vehicles
Personal injury claims from accidents or injuries caused by someone else’s negligence
Workers’ compensation claims for employees who have been injured on the job
Liability claims from lawsuits filed against individuals or businesses

How Does the Claim Process Work?

The claim process typically begins when a policyholder files a claim with their insurance company. The adjuster is then assigned to the case and starts gathering information to evaluate the claim.

This may include:

Reviewing policy details and coverage
Inspecting the damaged property or injuries
Interviewing witnesses or involved parties
Gathering medical records or other documentation

Once all necessary information is collected, our adjuster will determine the amount of compensation to be paid. Then, we’ll negotiate with the policyholder and other parties to reach a settlement.

Why Choose Inman And Associates Inc for Claim Adjusting Services?

At Inman And Associates Inc, our claims adjusters have extensive experience and knowledge in handling various claims. We understand that the claims process can be overwhelming and stressful, so we strive to provide efficient and effective services for you.

Here are some reasons to choose us:

Knowledgeable adjusters with expertise in various types of claims.
Timely and thorough investigations to ensure accurate evaluation of claims.
Strong negotiation skills to reach fair settlements for our clients.
Personalized support throughout the entire claim process.
A commitment to providing excellent customer service and exceeding client expectations.

How Do Independent Loss Assessments Assist With Your Damage and Loss Claims?

Independent loss assessments provide an unbiased and thorough evaluation of your property damage, financial losses, and policy entitlements.

This process ensures that:

Damage documentation is accurate.
Policy coverage and benefits are interpreted fairly.
Repair and replacement costs reflect true market rates.

Our methodical approach supports stronger negotiations and helps challenge lowball offers or disputed valuations from insurers.

How Do Insurance Loss Adjusters Determine Liability Before Settlement?

We need to determine liability based on clear, factual evidence to settle your claim. This starts with our careful review of your insurance policy’s legal language and coverage obligations.

Next, we examine all available photo and video damage documentation, including wide-angle shots of the affected area, close-up images of specific damage, such as structural cracks, broken appliances, or water intrusion, timestamped photos from multiple angles, and before-and-after comparisons when available. These visuals help establish the extent of your loss and how it relates to the incident in question.

In addition to imagery, we gather and assess supporting materials like expert evaluations, repair estimates, witness statements, and any relevant police or incident reports. By combining this evidence, we build a fact-based liability case that aligns your loss with the terms outlined in your policy.

Do You Need To Contact Your Insurer Before Calling a Third-Party Adjuster?

Not necessarily. Calling us first can help you avoid these common mistakes during initial claim reporting:

Delaying submitting a claims report (most policies require reporting within a specific period)
Leaving out claim details
Admitting fault—don’t say things like “It might have been my fault”—or making assumptions
Making a claim without reviewing your policy and gaining a good understanding of your coverage limits, exclusions, and deductibles first

We help you document your loss properly, guide your communication, and ensure your report is accurate and complete.

What Happens If You Disagree With the Settlement?

In some cases, policyholders may not agree with the amount the insurance company offers for their claim. If this happens to you, you can appeal the decision and provide more evidence or documentation to support your case.

Our adjusters are always open to reviewing and re-evaluating claims if new information is presented. We will work with you to gather any necessary evidence and present your case.

Can Your Public Adjuster Handle Rejected Insurance Claims?

Absolutely. If your claim was repudiated, meaning the insurer denied it because of an alleged policy breach, we can help. Our team reviews the denial, gathers supporting evidence, and prepares a strong case to contest the decision.

Our public adjusters review the claim denial and gather new or overlooked evidence, including:

Detailed photos or updated inspection reports
Contractor or expert evaluations
Policy interpretation arguments
Service logs
Proof of compliance with all policy terms

Whether your claim was underpaid or wrongly rejected, our job is to reopen the conversation and push for a fair and justified resolution.

Is 24-Hour Claims Support Available in an Emergency?

Disasters don’t wait for business hours, and neither do we. Our independent insurance loss experts are available 24 hours a day, 7 days a week. Let us help you respond to emergencies and start your claim as quickly as possible.

Whether you’re dealing with storm damage, fire, theft, or a sudden loss, immediate action can make all the difference in the outcome of your claim.

Contact Us Today to Start Your Claim Process

Having a reliable and experienced claims adjuster on your side can make all the difference in the outcome of your claim. Inman And Associates Inc is here to help St. Louis residents and businesses at every step of the way and ensure you receive the compensation you deserve.

Contact us today at (636) 225-9182 to learn more about our claim-adjusting services and how we can assist you with your case.

Looking for a claims adjuster in St. Louis? Contact us at (636) 225-9182.