The adjuster sets what the carrier will pay, and a thin first estimate stalls a repair. We document the full damage, write and submit supplements with photos, and communicate with the adjuster for you.
Most owners are not sure how to talk to an adjuster, and a quick first estimate often misses hidden damage. Here is how the adjuster relationship works and how we manage it on your behalf.
What the adjuster does
The adjuster inspects the damage and sets what the carrier will pay. Their first estimate is based on what is visible, which is rarely the whole repair on a large rig.
How supplements keep the repair moving
When teardown reveals hidden damage, we write a supplement with photos and submit it right away, so approval does not hold up your rig.
- We document hidden damage at teardown
- Supplements are submitted with photo support
- We follow up so approvals do not stall
Why we handle the communication
We speak the adjuster's language on parts, labor, and procedures, so the conversation is shop to carrier and you are not stuck translating in the middle.
Frequently asked questions
Do I have to negotiate with the adjuster myself?+
No. We communicate with the adjuster directly on parts, labor, and procedures, document the damage, and submit supplements, so you are not stuck in the middle of the claim.
What is a supplement on an insurance claim?+
A supplement is an addition to the original estimate for damage found after work begins. We write supplements with photos and submit them promptly so hidden damage is covered and the repair keeps moving.
Why is the adjuster's first estimate often too low?+
The first estimate is based on visible damage, and large rigs hide structural and water damage behind panels. We tear down, document what is found, and supplement so the estimate reflects the real repair.
Related Repairs and Audiences
Repairs we handle
Vehicle types we repair
Start your insurance claim the right way
Before you file a claim or choose a shop, know how the process really works. Our Free Booklet breaks down the most common insurance pitfalls and how to avoid them.