To negotiate a settlement with an insurance claims adjuster:
Start by filing a claim and sending a completed proof-of-loss form to your insurer as soon as possible, if you haven't already done so.
Wait to receive the insurance adjuster's settlement offer (exact timeframes vary by state).
Make a counteroffer if you are not satisfied with the adjuster's offer.
Provide the adjuster with any evidence or documentation supporting your counteroffer.
Reach a final settlement and...