A home insurance adjustor came to our home after a hail storm to access damage. They gave us a check for about $4000. Now a week later, the adjustor said he figured the numbers out wrong and wants $2200 back. Can they do that?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 29, 2019

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Insurance Question from Macungie, PA

Asked on 07/29/2019

A home insurance adjustor came to our home after a hail storm to access damage. They gave us a check for about $4000. Now a week later, the adjustor said he figured the numbers out wrong and wants $2200 back. Can they do that? A home insurance adjustor came to our home after a hail storm to access damage. They gave us a check for about $4000 with a detailed damaged list. Now a week later, the adjustor calls us and said he figured the numbers out wrong and wants $2200 back. Can they do that?

Answer given on July 29, 2019

If an adjuster comes to your home to assess an insurance claim, they usually also provide a written estimate to justify the amount paid.  If you have that, ask the adjuster to advise why he is reducing the amount of payment for your damage.

You might also want to get an estimate from a repair place for the damages and see what they come up with, in comparison to the adjuster.  If you can’t, or don’t want to do this, continue to pursue why the adjuster feels he should reduce the payment for your damages.  If you don’t agree, you will need to provide proof of your estimate of damage.  You may also want to discuss this with a supervisor if you cannot settle this with the adjuster.  It is possible he did not include the deductible on your homeowner policy. Do you know what your deductible is?


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