Just read this crazy story earlier today about a guy whose house got damaged in a storm, and he's been going back and forth with his insurance adjuster for months now. Apparently, the adjuster keeps asking for more photos and documents, and every time he thinks he's done, they come back with another request. He even joked that he's spent more time documenting his damage than fixing it, lol. I mean, I've never had anything huge happen myself (knock on wood), but I did have a minor fender bender last year and the amount of paperwork and phone calls was already pretty annoying. Can't imagine what it's like when it's something major like your home.
Kinda made me wonder if this is typical or if he just got unlucky with his adjuster. Curious if anyone else has had similar experiences or maybe even some tips for making the whole process less painful?
Had a similar experience myself after a minor accident a couple years back. Even though it wasn't anything major, the insurance folks kept requesting additional documentation—photos from different angles, statements from witnesses (even though there weren't any), and repair estimates from multiple shops. Honestly, it felt like they were intentionally dragging their feet, hoping I'd just give up or something.
One thing that helped me was keeping everything organized from day one. I created a dedicated folder on my computer and made sure every email, photo, and document went straight in there. Also kept a log of phone conversations with dates, names, and summaries. Sounds tedious (and it kinda was), but when they asked for something new, at least I had everything handy and didn't have to scramble around.
Not sure if that's typical or I just got unlucky too...but since then I've tried to be extra cautious with insurance choices—reading reviews, checking customer satisfaction ratings—just to avoid going through that again.
