What i want you to know: being a claims adjustor does not make someone a liar

What I Want You to Know is a series of reader submissions. It is an attempt to allow people to tell their personal stories, in the hopes of bringing greater compassion to the unique issues each of us face. If you would like to submit a story to this series, click here. Today’s guest posts is by Chariot.Photobucket

My husband works as a claims adjuster. He doesn’t sell insurance. He’s the guy who climbs on your roof to inspect and writes a report for the insurance company. In his case he is a 3rd party hired by various insurance companies for his services. His integrity is not for sale. If you ever have an insurance claim, I ask that you speak with the person on the phone as a human being, as you would speak to anyone who is trying to help you.

My husband, Aaron, keeps the volume on his phone way up, so I had the misfortune to hear his latest insulting work call.

Aaron: I’d like to make an appointment to view the damages.” … A minutes of back and forth with the man refusing to meet except for Saturday and his wife (at home) unwilling to meet Aaron or keep the dogs in. All due to a bad experience with a previous insurance claim. Then it takes a turn…

Insured: I told you people I was only going to do this on the weekend. You people are all the same. All cheats. You should be ashamed of yourself.


This man had a bad experience with a previous insurance claim. A claim with another company than my husband’s. Something not at all related to this call. But because of a bad experience Aaron was verbally attacked. He has developed a thick skin because this happens ALL THE TIME. There are a lot of bad feelings towards the insurance industry.

What I want you to know is not all insurance companies/people are equal. This is true of any retail or service available to you. But in Aaron’s job people seem to find it easy to call my husband names over the phone or to his face. And to them it’s okay because he’s in insurance. For some reason these same people trust contractors like they are the right hand of God. (And no, I’m not judging all contractors.) The contractor says there is hail damage. The insurance turns to my husband – who saw no damage – and Aaron is called “the son of the devil” –which was funny because Aaron’s boss/dad ended up talking to that insured and calming him down. Get it?

My husband is not a liar, not a cheat. If he says there’s no damage to your home it is true. If he says your shingles are just old and not a result of storm damage, it’s true. It is a common misconception that a claims adjuster gets paid by the insurance company for denying a claim. The opposite is true. My husband gets paid a fee to inspect each property. Not much, in fact it wouldn’t be enough to live on except that he also gets paid a percentage of the damages for each property. In other words, if a tornado comes by and rips off the roof to your house, my husband gets a big fat commission. That is where we see the big bucks. In fact each storm you will find my husband and me out back doing a naked hail dance. Ha ha. That’s right, I dream of golfball size hail, sewer backups, pipe bursts, raccoons in your attic, and lightning strikes. Please note that I’d never wish harm on any person, just your house.

If you had a bad experience with one insurance company, maybe you’d like another one better. Please remember not to judge an entire group of people because of a bad experience or because society tells you to. If you’ve ever been judged by what you do for a living I ask that you remember how it feels to be treated that way when you are speaking to others. Treat others as you’d wish to be treated. Cliché, I know, but oh so true.

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