Can an adjuster deny your homeowners claim without looking at damage?

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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: Oct 1, 2010

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Insurance Question from Cleveland, OH

Asked on 10/01/2010

Can an adjuster deny your homeowners claim without looking at damage? My sunroom floor collapsed while I was on it and the adjuster says it is earth movement and will not come out and look at my floor. Says he is not going to waste his time knowing that it is considered earth movement and Allstate won't pay.

Answer given on October 10, 2010

The adjuster you are dealing with sounds less than professional.  I don’t know how he can determine the cause of loss without seeing the home and the damage.  If the cause is earth movement, then there would be no coverage, but that needs to be determined as the cause.

You should speak to your agent to see if they can contact the adjuster about his refusal to see the damage.  Someone, either the agent or you should ask to speak to the adjuster’s supervisor if he continues to refuse to come out to your home. 

I also recommend that you take photos of the damage.  You may also want to have a contractor come out to see the damage.  The contractor may be able to determine the cause of loss and offer an estimate. 

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