How Insurance Carriers and Public Adjusters REALLY View Position Letters

Position letters are more than just formal documents—they’re the battleground where insurance carriers and policyholders (or their advocates) square off. Depending on who’s holding the letter, its purpose and impact shift dramatically. 

From the Insurance Carrier’s Perspective: A Risk Assessment Tool

For insurance carriers, a position letter is less about what you’re saying and more about what it signals. Here’s how they approach it:

1. Assessing the Threat Level: A well-written position letter can send alarm bells ringing. It tells the carrier you’re informed, prepared to fight, and serious about the payout. However, if the letter is disorganized or lacks evidence, they’ll see an opportunity to double down on their denial. 

2. Finding Weak Points: Insurance adjusters are trained to poke holes in arguments. They’ll scrutinize every word, looking for contradictions or evidence that isn’t compelling enough. 

3. Damage Control: Sometimes, a strong position letter leads carriers to settle quickly. Fighting could cost them more in terms of legal fees, time, and public perception. 

From the Public Adjuster’s Perspective: A Weapon of Advocacy

Public adjusters view position letters as their secret weapon for leveling the playing field. Here’s their take:

It’s a Game of Strategy

Public adjusters understand what makes carriers tick. They use this knowledge to craft letters that are airtight, persuasive, and tailored to the nuances of your policy. 

Evidence Speaks Louder than Emotion

While policyholders might focus on how unfair the denial feels, public adjusters zero in on hard evidence:

• • • Detailed damage reports with photo and video evidence. 
    • Repair estimates.
    • Licensed inspections to form an accurate assessment of the damage. 

This professional approach makes it harder for carriers to brush off the claim. 

The Beginning of Negotiations

A position letter isn’t the end—it’s the opening move to a bigger play. Public adjusters use it to establish credibility and set the tone for future interactions with the carrier. 

Why These Perspectives Matter

Understanding how both sides view position letters can help you navigate the process more effectively. When done right, a position letter isn’t just a formality—it’s a power move. 

To learn more about how a public adjuster can be your most prominent advocate not only throughout the claims process—but especially when it comes time to draft your position letter, read our blog: Position Letters: Why They’re a Match Made in Heaven

Contact Premier Claims today!

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