While these may seem easier to obtain than government disaster loans, their interest rates are usually higher. Sometimes the local builders' association will offer advice on reconstruction or advice on choosing contractors. This section covers the Some Points on Settling Claims You are supposed to be reimbursed fairly for your loss, but you are not supposed to profit from a disaster. You cannot collect more than the face value of your policy. You cannot collect for uninsured items, such as landscaping.
Most adjusters receive a flat salary or compensation on a per case basis.
There are no financial incentives that encourage the adjuster to give you a small claim payment. You should get the adjuster's name, company, and phone number. He or shewill probably be from out of town. In most cases, you will be reimbursed for the actual cash value of an item. That is the cost of replacing the item minus depreciation.