File a complaint. The company must grant you this right and assign someone from the insurance company to analyze the facts of your case and determine if the adjuster made a mistake. If an internal review doesn't override the adjuster's decision, you can file an official complaint against the insurance company. The best way to approach an insurance claim dispute is calmly and courteously.
First, you can write a letter to the independent appraiser explaining why you think your full settlement isn't sufficient compared to what you calculated. Even if you're upset, don't show it. If you behave cordially in this process, you have a much better chance of obtaining a positive outcome. You'll receive news from the claims adjuster within ten to fourteen days.
We found that our experience shows that there is an eighty-five percent chance that your property damage claim will be underpaid by at least ten thousand dollars. Instead of legally challenging the amount of a claim and going to court, you can negotiate with the insurance company. They aren't eager for a lawsuit to end up in court any more than you or the other driver. Ask if your claim can be reviewed again based on your new evidence, or if the appraiser can re-examine the damaged or lost property.
Errors occur and the adjuster may have miscalculated the estimate. The company could review it again, but that doesn't mean that the liquidation offer will change. They may not even agree to have another adjuster evaluate their damage or loss. If that's the case, the next step is to obtain a third-party assessment.
Start by writing a letter to the claims adjuster explaining why you think your full settlement isn't enough, compared to what you calculated. Even if you're upset, don't show it in the letter. If you behave cordially during this process, you have a much better chance of getting a positive outcome. You will receive a response from the claims adjuster within 10 to 14 days.