✅ How to Work With an Adjuster
A Quick Guide from Harbor Brenn Insurance Agencies
We’re here to guide you through the claim process every step of the way.
📞 1. Expect a Call or Email
Once your claim is reported to the insurance company, a claims adjuster will be assigned.
You should hear from them within 1–3 business days, expect longer during high claim times. If you don’t, let us know—we’re happy to follow up on your behalf.
📋 2. Be Prepared
Before speaking with your adjuster, gather the following:
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Your policy number (you’ll find it on your documents or in your client portal)
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Photos or videos of the damage
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A brief description of what happened
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Receipts or estimates, if available (especially for auto or property repairs)
🗣️ 3. Tell Your Story Clearly
Be honest and detailed. Share:
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What happened
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When and where it happened
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Who was involved or witnessed it
This helps the adjuster determine what coverage applies and how quickly they can help you.
📅 4. Keep Track of the Process
We recommend keeping a simple claim log:
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Dates of all communications
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Who you spoke with and what was discussed
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Any documents you’ve submitted or received
This makes it easy to reference if there’s a delay or confusion.
🧾 5. Don’t Start Repairs Just Yet
Unless it’s to prevent further damage (like tarping a roof), wait for the adjuster to inspect the damage before making major repairs. Keep receipts for any emergency services you pay for.
💬 6. Stay in Touch
If something changes—new damage, delays, or unexpected costs—let your adjuster and our office know. We’re your advocate and can help clear up confusion or push for answers if things stall.
🌟 7. We’re Here to Help
We know dealing with claims can be stressful. If at any point you feel uncertain or unheard, please call us. We’ll step in and assist, explain coverage, or just be a second set of ears.
📞 Questions? Call us at (231) 347-8113
✉️ Email us at
📲 Text us at 231-487-6050
🏡 Harbor Brenn Insurance Agencies – Local. Trusted. Here when you need us most.
