The Role of a Claims Adjuster—and How to Work With Them

When your home is damaged by a storm, fire, or other natural disaster, it can feel stressful and confusing. After you file an insurance claim, one of the first people you will work with is a claims adjuster. They are also called an insurance adjuster or insurance claims adjuster. Their job is to inspect the property damage, estimate repair costs, and help you and your insurance company reach a fair claim settlement.

If you live in Oklahoma, where tornadoes, hail, and high winds are common, understanding the claims process can make a big difference. Here’s what every homeowner in Moore, Norman, Edmond, and nearby towns should know.

• A Claims Adjuster Is the Bridge Between Damage and Repair
• Communication Is Key—Especially During Oklahoma’s Wild Weather Season
• Local Knowledge Makes a Big Difference
• Frequently Asked Questions

1. A Claims Adjuster Is the BridgeBetween Damage and Repair

After a major storm or other natural disaster, you might be left with damages to your property such as roof leaks, broken windows, or flooding. That’s when your insurance company’s adjuster steps in.

Their job is to:

• Inspect your home and document the claim details
• Take photos or video footage of the damage
• Provide an adjuster’s estimate or repair estimate
• Work with your insurance company to determine the claim payout

To make things easier, take your own photos before cleanup begins. Walk around the property with your adjuster and point out all the damage you notice. In places like Norman or Moore, where spring storms often cause hidden roof problems, this helps make sure nothing is missed.

You can also keep copies of any contractor repair estimates or third-party appraisals. These documents help claim adjusters compare prices and make sure you receive fair payment based on Fair Market Value or Actual Cash Value. The more organized you are, the smoother the claim process will go. If you are unsure about your insurance policy, coverage limits, or policy limits, ask your insurance agent or adjuster to explain them.

2. Communication Is Key—Especially During Oklahoma’s Wild Weather Season

Oklahoma weather can change fast. One week it’s sunny, the next it’s hail and tornadoes. During busy storm seasons, claims managers and adjusters handle hundreds of cases, so clear communication is crucial.

Be polite, stay in touch, and ask for a clear timeline for inspections, estimates, and claim settlements. If you haven’t heard back after a few days, follow up with a quick call or email and confirm that your contact information is correct. Homeowners in Newcastle and OKC often see faster results when they check in regularly and stay organized.

Keep a record of every conversation—who you spoke with, what was said, and when it happened. If your adjuster asks for a recorded statement, make sure you understand what’s being asked and that it accurately reflects the claim details. Staying polite and professional helps you move through the claim process efficiently and avoid confusion later.

If your claim involves complex issues like Bodily Injury Claims, liability risks, or medical bills, you may want to get legal help. You can also ask the Oklahoma Department of Insurance for guidance. They can help explain your rights under state law.

3. Local Knowledge Makes a Big Difference

Not all adjusters know what’s “normal” damage for Oklahoma homes. A local insurance claims adjuster or independent adjuster who knows about wind, hail, and roof wear in Noble or Edmond will find issues that out-of-state adjusters might miss.

Oklahoma’s weather creates unique challenges—like wind-driven rain sneaking under shingles or hail cracking siding. Local insurance adjusting companies are familiar with these patterns and can help ensure fair claim settlements. They also know reliable local contractors who provide accurate repair estimates and understand regional Fair Market Values.

Some homeowners choose to hire a public adjuster or public insurance adjuster. These adjusters represent the homeowner’s interests instead of the company adjuster. Public adjusters work directly for the policyholder, not the insurance company, and can help negotiate if you believe the claim payout is too low. Whether you work with a company adjuster, independent adjuster, or public adjuster, review your insurance policy carefully and make sure you understand your coverage limits.

How to Work Stress-Free With Claims Adjusters

Working with a claims adjuster doesn’t have to be stressful. Remember to:

• Document your property damage early
• Communicate clearly and follow up
• Keep copies of your repair estimates and claim details
• Ask questions about your insurance policy and policy limits

Good teamwork between you, your insurance company, and your adjuster helps your claim process move faster and more fairly. The adjuster can be public, company, or independent. If you ever feel unsure about your coverage or a claim, Jim Holmes Insurance is here to help.

We help homeowners in Moore, Norman, Noble, Newcastle, Edmond, and the greater Oklahoma City area protect what matters most before and after storms. If you have flood claims, liability adjusters, or storm damage, our experienced insurance agents can help you understand your policy and feel confident about your protection.

Ready to Feel More Protected?

Don’t wait until the next storm rolls in—make sure your home insurance is ready when you need it most.

• Click Here to Get a Quick, Free Quote!
• Call us anytime at (405) 321-4664. We’re always happy to answer questions, review your coverage, and guide Oklahoma homeowners through the claims process—from the first phone call to the final claim payout.

Frequently Asked Questions