Ever wondered what happens behind the scenes when you file an insurance claim? While most of us hope we never have to use our insurance, those who do rely on the expertise of their insurers to sort everything out. In our kingdom, we have a team of geniuses working diligently to file your claim, investigate what happened, and make sure that every T is crossed before we put on the finishing touches. A key person involved in all this is the insurance adjuster. These guys are unsung heroes, the ones who step in after the chaos to assess the damage. In short, they play a beeeeeg role in helping you get back on your feet.
But what does a typical day look like for an insurance adjuster? Spoiler alert: It’s not just paperwork and phone calls.
Let’s take a leap of imagination and imagine a day in the life of Lucas, a royal insurance adjuster.
A moment for the admin
Lucas’ day starts bright and early, because let’s be honest, disasters don’t wait for anyone. After a very necessary cup of coffee (adjusters need their caffeine fix to tackle the day ahead), it’s time to review the claims that have come in overnight. This could involve anything from claims for stolen cars, a flooded house (nasty geyser explosion, apparently), and 1 claim for damages related to a wild cat that snuck in and took a nap on someone’s car.
A few hours in the field
After sorting through the digital chaos and catching up on admin, it’s time for Lucas to get on top of his inspections. This is where the real fun begins. Adjusters visit claim sites to assess damages firsthand. While it’s true that we rely on images that you snap and send to us, there are situations where we need to lay eyeballs on the damages or the scene of the incident.
For example, a scenario involving a home that’s been ravaged by fire or a car that looks like it went through a blender. Those would require Lucas to come through and perform a detailed inspection.
A moment to strategise
After a morning filled with inspections and conversations, it’s time for Lucas to take a well-earned lunch. Adjusters often use this time to regroup and strategise for the afternoon ahead, and Lucas is no different. He needs to assess the different claims on his schedule to determine which need to be attended to that day and which will fall on tomorrow’s schedule. Will he be dealing with more floods? Maybe a bizarre claim involving an inflatable pool? Who knows! But 1 thing’s for sure, he’ll need his wits about him.
Claims processing
Post-lunch, it’s back to the office to process claims. This involves gathering all the necessary documentation, getting on the phone to talk to contractors for repair estimates, and ensuring that everything aligns with what the policy covers.
In a lot of ways, it’s like being a detective.
As the day winds down, Lucas focuses on compiling his reports and preps for another round of claims assessments. He may also have to deal with follow-up calls from clients who are understandably anxious about their claims. Patience is key here; after all, no 1 likes waiting for money when they’re already stressed out.
The royal bottom line
From early morning coffee runs to field visits that could involve anything from a flooded home to a car that’s seen better days, Lucas experiences a whirlwind of scenarios every day. He juggles inspections, client interactions, and the occasional quirky story that makes his job anything but dull.
While this is a rather simplified look at what happens, this little fictional day in the life of an insurance adjuster does give you an idea of the scope of work involved in making sure that every claim dealt with in King Price is given its due diligence. You can also see that this role isn’t just about numbers and policies. We understand all too well that what’s really at stake are the people, their stories, and what we can do to help them get back on their feet after life throws them a curveball.
Next time you file a claim, remember that there’s a dedicated team working behind the scenes to make sure you’re taken care of.
Click here or WhatsApp us on 0860 50 50 50 for a commitment-free insurance quote.
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Psst… This blog provides general info only, and doesn’t count as financial or product advice from King Price or our legal and compliance experts. Remember, all our premiums are risk-profile-dependent, and T’s and C’s apply. Our most up-to-date KPPD (policy wording) can always be found here.
Our website T’s and C’s can be found here.
