David the Adjuster

David the Adjuster I've been an Insurance Claims Adjuster for many years. I want to help answer your insurance questions. I'm not an Agent.

I don't know everything about insurance, but I know enough that I can probably help you navigate your insurance claim.

05/12/2026

Insurance tip for the day: This tip applies to auto and property. If you have a claim and your insurance company doesn't want to pay the price that the body shop or contractor has estimated for, they can negotiate that price. They can also refuse to pay what they deem is above the "industry standard". Industry Standard is the reasonable price that other shops or contractors would charge for the same work. This means that you are responsible for the difference if you decide to use that body shop or contractor. So now you have 3 options: 1. Pay the difference. 2. Demand arbitration. 3. Hire a public adjuster. 1. Simple, just pay it. 2. Arbitration is provided for in your policy in the event that you disagree with the company and you cannot come to an agreement for the value of the loss. The cost is normally covered by your premium that you have already paid. 3. Public Adjuster. This is not the adjuster that looked at your damage to start with. This is an Adjuster that is separately licensed and bonded. They do not work for the insurance company, they work for you and you have to pay them. They will either charge a fee or an hourly rate depending on the size of the claim and most of the time, the cost will be covered by any additional amount of claim payment that they will obtain for you.

04/29/2026

Insurance tip for the day: If someone is tailgating you and you tap your brakes for them to back off and they don't, just live with it. If you decide to brake-check them and they hit you, you can be cited for improper signalling. Then your insurance company will have to pay for your damage and their insurance company will have to pay for their damage. In the end, you lose because your premiums will increase all because you were irritated. don't risk it.

03/27/2026

Insurance tip for the day: If someone runs into you while you are driving your vehicle (you are now a claimant), and they total out your vehicle, and it is totally their fault, their insurance company may not accept liability right away. This means that they won't pay for your vehicle or a rental car or your injuries until they accept liability. That can take anywhere from a day to a couple of weeks. They may even deny liability even though their insured is at fault. This means that you and your insurance company (if you have full coverage on your vehicle) will have to cover your rental car and your injuries and your vehicle in the interim. You can yell and scream and threaten to get a lawyer all you want to, but it won't make a difference. The best thing to do is to turn everything over to your insurance company and let them deal with it. Yes, you will still have to pay your deductible. They will send the other insurance company a bill (subrogation) after everything is completed or until the other company accepts liability. If everything is completed, you may or may not get your deductible refunded. Your insurance company is not obligated to seek reimbursement for that, but generally, they do and you are likely to get it back, it's just not guaranteed. Just beware that if you get hit, you still might have to pay for it. Even if you end up having to get a lawyer, it will still take a while to get your money back, if at all.

03/24/2026

Insurance tip for the day: Different companies have different rates for different reasons. Things like the deductible amount can change the rate. How many losses the company suffered last year changes the rates. Your driving record can change your rate, even on your homeowners policy and yes, even your credit report can affect your rate. No two companies calculate rates exactly the same. Due to all of these items, it's good to shop around every few years as rates are always changing.

03/13/2026

Insurance tip for the day: Here's the deal on Auto insurance. You'll see numbers like: 25/50/15. These are the minimum amounts of coverage that you are required to have on your vehicle if you are going to drive on Idaho roads. 25=$25K per person/50=$50K per accident in Bodily Injury/15=$15K in property damage liability. All of these amounts are liability amounts if you are negligent and cause an accident and cause other people to sustained injury and their vehicles and/or property to sustain damage. None of these amounts cover you or your vehicle or your property. Also worth noting is that you are personally responsible for any amount of bodily injury or damages that exceed your policy limits. If you want coverage for you, you can add Medpay (will only apply in the event of an accident). If you want coverage for your vehicle, you can add Collision coverage. If you want coverage for your vehicle when something happens to it other than collision, you can add Comprehensive coverage. These coverages also usually include UM/UIM coverage which covers you. UM=uninsured motorist. UIM=underinsured motorist. Yes, people will drive around without the required insurance liability coverage. You can also add rental car coverage if your vehicle is not drivable following a collision (this does not include mechanical breakdown). When choosing liability limits, you can get more than 25/50/15 for an additional premium. My limits are higher than these. Choose wisely.

03/03/2026

Insurance tip for the day: If you are involved in an accident and you are contacted by an attorney that is not from your insurance company, DO NOT talk to them. Direct them to your insurance company. Anything you say can and will be used against you in a lawsuit or a settlement. Let your insurance company handle it. They have your best interests in mind and that is part of what you are paying them for.

02/18/2026

Insurance tip for the day: Earthquake coverage (a.k.a. earth movement) is not covered on your homeowner's policy. It is only written on its own policy and is very expensive with a very high deductible (I think it was $25K deductible last time I checked). Also, if there is an earthquake in your area recently, they usually put a moratorium on writing new policies because they don't want you buying coverage and then turning in a claim for old damage. Earth movement also includes collapse and sink holes. The chance of any of these things happening around here is very low, but it's not 0.

02/14/2026

Insurance tip for the day: If you are involved in an Automobile accident, never, ever, ever, ever accept responsibility even if it appears to be 100% your fault. DON'T DO IT! It's ok to check on others and make sure that they are not injured. Let the insurance companies determine fault because they will have information about the accident and the legal items that you didn't notice or don't know about. Once you accept responsibility, you tie the hands of your insurance company and you might end up paying for something that you don't owe. You could also open to door to personal lawsuits against you. DO NOT, UNDER ANY CIRCUMSTANCE, ACCEPT RESPONSIBILITY. Especially if the police or anyone else asks you at the scene or even later on who's fault do you think it was. The other person's insurance company may want to obtain a recorded statement from you. You are not required to give them one, but if you do, DO NOT ACCEPT RESPONSIBILITY!

02/14/2026

Insurance tip for the day: As we move into the flooding season, it's important to know that a homeowner's policy does not cover flood damage. Flood water is usually defined as water that travels across or through the ground regardless of the source. Occasionally a policy will cover water from your sprinkler system that travels across or through the ground if it travels less than 24". Water from rivers, lakes, snow melt, torrential downpours, etc. also are also considered flood waters. There is also the potential for your neighbor's irrigation system to flood your property and that is considered flood water. Yes, your neighbor would ultimately be responsible, but that doesn't mean that they or their insurance company will pay for your damages. You have to purchase a separate flood policy to get coverage for flood water damage. To find out if you live in a flood plain, go to this site: FEMA's National Flood Hazard Layer (NFHL) Viewer - ArcGIS and type in your address. You'll have to apply to the National Flood Insurance Program (NFIP) to obtain coverage from the Federal Government program setup just for this purpose because insurance companies usually won't write policies if you live in a flood plain.

02/08/2026

Insurance tip for the day: When you loan your vehicle to a friend, your auto policy will cover them as a permissive driver. If your friend is negligent and causes an accident, they will be covered by your insurance; however, if you don't have full coverage (or collision coverage) you will be responsible for the damages to your vehicle. It's possible that your friend might have coverage for your vehicle on their own policy, but it is not likely because that coverage has to be requested and is an additional premium and not always available. Not sure if they will offer to pay for your damages, but it's possible. Make sure you have an agreement before loaning them your vehicle or make sure you have full coverage. Cover your butt.

02/05/2026

Today's insurance tip: Check your homeowner's policy for coverages on Mold and Sewer backup. These are NOT included on the water coverage in your policy. They each have their own limits and exclusions. Most policies don't even cover mold, but some do. Most cover sewer backup but have limits of $5,000 or $10,000 or $15,000. These limits cover the entire repair, so it you have a claim and the repair is more than your limit, you pay the extra out of pocket. If your policy doesn't cover mold, you get to pay for all of it out of your pocket.

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PO Box 581
Pocatello, ID
83201

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