A residential property claim adjuster doesn’t know you are sick just before you even get an initial consultation – and a private adjuster will never really know if you actually have a claim until they review your policy in full. And when you find a private adjuster making outrageous and exaggerated claims about the amount you can recover on your claim – you should take action against them.
If your claim is rejected because of a medical issue (which can be the result of a simple cold or flu) or simply because you have not provided enough information in your claim, you may well be entitled to compensation for your losses caused by the other party’s negligence. But if your claim has been rejected for any of a number of reasons, including the fact that you did not provide enough evidence to show you suffered any damage at all – then you might be entitled to a proportion of the compensation you are owed. This proportion could be set out in a written offer and agreed upon in a court of law.
But the public claim adjuster can refuse to accept a settlement offer that seems too good to be true. They will base their decision on their own set of rules and may be inclined to reject your offer because of any number of reasons. For instance, if you are unable to produce any documentation proving you suffered any harm – or are not sure you were even at fault in any way – it may be very difficult for you to prove you suffered any damage at all.
The public claim adjuster will also consider any other financial or health conditions that may affect your ability to accept a claim. For instance, if you suffer from a heart condition or serious illness – it may mean you will be unable to make a claim for any period of time. This could be because of the severity of your condition, the length of time you have been ill, or any other medical condition that you may have recently developed. If your claim is rejected for these reasons, the adjuster will not accept your offer of settlement.
It may be possible for you to negotiate a smaller sum, such as a lump sum, rather than a ‘full’ settlement. This may only happen if the ‘reasonable’ amount for a full settlement would not give you enough money to cover your costs in the next few months or years.
However, if your claim has been rejected in this manner – it may still be worth your while trying to settle the matter in a court of law. If you do so, the other party may be forced to admit that they had made a mistake, admit they were wrong in their initial assessment, or agree to a smaller sum.