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When you file a claim, the adjuster may seem like the “voice of truth” sent by the insurer. But here’s the reality: they are not always on your side. We’ve seen hundreds of cases where policyholders lose money because of simple mistakes when dealing with these professionals.

Here are the most common mistakes — and how to avoid them.

1. Not Reviewing Your Policy Before the Visit

Your policy is your contract. It contains all the coverage details you agreed to. Many people never read it.

Why It’s a Mistake If you don’t know what’s covered, you are at a disadvantage. The adjuster does — and may “forget” to mention some coverage.

Solution Read your policy carefully before the visit. Pay attention to:

Coverage for hidden damages (humidity, structural damage)

Compensation limits

Special conditions or exclusions

If unsure, get professional advice. At MataSeguros, we analyze your policy so you know exactly what you’re entitled to.

2. Not Documenting the Damage

If you don’t document damages properly, it’s your word against the adjuster’s — and guess who usually wins.

How to Document:

Take photos/videos from multiple angles.

Keep receipts and repair invoices.

Get independent expert reports if possible.

Start documenting from minute one, don’t wait for the adjuster.

3. Accepting the Adjuster’s “No” Without Question

If the adjuster says something isn’t covered, don’t accept it blindly. Sometimes:

They didn’t inspect thoroughly.

They want to keep it simple.

They are protecting the insurer’s interest.

Solution: Get a Second Opinion You can hire your own adjuster for an independent report (counter-appraisal).

4. Not Getting the Adjuster’s Contact Info

Always ask for their name and phone number. You may need to send more info later.

5. Thinking Negotiation Alone Is Enough

Insurers are businesses — their goal is to save money. The adjuster’s report is their tool to limit payment.

If you’re stuck, get professional backup. At MataSeguros, we negotiate from a strong position with solid evidence.

6. Ignoring a “Short Visit”

If the adjuster takes a quick look and leaves, be cautious.

Show them all damages.

Explain hidden issues.

Make sure they take notes.

If they still rush, document everything yourself and get a second expert opinion.

The MataSeguros Method

We’ve seen these problems many times, so we created a method to protect policyholders:

Full policy review.

Professional counter-appraisal.

Negotiation backed by evidence.

Conclusion

Dealing with an insurance adjuster can be tricky, but if you know these mistakes, you can defend your rights.

Don’t trust blindly.

Document everything.

Get help if needed.

At MataSeguros, we ensure you get the compensation you deserve.