The Phrase That Gets Adjusters to Buy

A lot of contractors wonder, “Is there anything I should be doing or saying differently to get more things paid for on an adjuster meeting?”  The reason why I’d like to address this question is because many contractors wonder if they need to be doing or saying something specific in order to influence the outcome of adjuster meetings as opposed to just being a silent bystander and watching things unfold. 

Meeting with the insurance adjuster is a part of every claim, and it is the most crucial element of the entire project, because this is the moment where the claim is approved or denied. While an insurance adjustment should be very objective and “black and white,” if you’ve been in this industry for any amount of time at all, you know that insurance claim assessments can be very subjective. Every adjuster is different. They all have different personalities, requirements, methods, and personal preferences that accompany the insurance carrier’s own guidelines for adjustments. Many times, your input, recommendations, reasoning, and dialogue can sway decisions on whether or not something gets approved. When items are on the fence and can go either way, you are the X factor or the variable that can sway it in the homeowner’s favor.

Put yourself in the shoes of the adjuster for a moment. They work incredibly long hours, often for days and weeks on end working up to a dozen claims a day, sweating in the heat all day and then being buried under paperwork at night. On top of it all, they meet with many contractors every day, many of which who do not understand how to work with adjusters and can be really argumentative and combative. For this reason, many adjusters are already acting defensively upon meeting a contractor at a claim site.

If they are already in the mindset that they are about to deal with another demanding, belligerent contractor who is there to make their job difficult and demand the sun, the moon, and the stars, you can surprise them by being personable, helpful, and friendly. More importantly, you can demonstrate to them that you appreciate what they do, trust them to do their job, and admire their knowledge and expertise.

The key lies in the latter. People want and need to feel competent and trusted. When you show someone that you look up to them for their opinion and guidance because you trust their judgment, it makes them feel good and more motivated and willing to help you. Understanding and applying this concept is the key to getting many items in question bought on adjuster meetings.

 Shopping for a home

Now I’m going to share with you how to use it. This one phrase has been extremely effective in getting the scale tipped in my favor on so many occasions, because it embodies the above concept and puts the ball in the adjuster’s court after opening them up to feeling more compelled to lean in my favor by demonstrating I trust their assessment more than my own. When bringing an item into question that may or may not have hail damage, just say this:


“I couldn’t say with 100% certainty that this is from hail, but I couldn’t say with 100% certainty that it isn’t, either. What do you think?”


It’s so simple, and it works. The adjuster sees that you are looking to them for guidance and an opinion, and they are much more likely to lean in the “benefit of the doubt.” They may also agree that they couldn’t say for sure, and that’s exactly the point. If you cannot say for sure that it is storm damage, but you also cannot say for sure that it isn’t, a fair adjuster will always lean in the favor of the insured.

 Here’s a perfect example of a contractor who took my advice, followed mt system, and has had success with it multiple times right off the bat:

Use this phrase on your adjuster meetings and let it work its magic. Obviously it won’t work every time with every adjuster for every item you want, but it will definitely help you get more items paid for more often, especially if you are being fair and reasonable and make a good impression on the adjuster. 

Oh yes, I like that. Give me more.

Oh yes, I like that. Give me more.


Getting some good value out of these tips and want more? You got it, boss. Submit your email below for free weekly tips and videos.

If you want to know more tips and secrets to negotiating with adjusters and learn the mistakes other contractors are making so that you can avoid them, there is MUCH more to learn, and I can teach you! You can enroll in my Roof Sales Mastery online “Advanced Sales & Supplement Program” and/or XM8 Mastery course right now and in a few minutes you’ll gain access to over 30 lessons that dive deep into topics like adjuster negotiations, exactly how to get an additional $500-2500 on each of your claims through supplements, and how to get all four sides of aluminum siding paid for on claims.

I share my Master List of Supplemental Items where I have compiled an ongoing list of 100+ creative, out of the box, but totally legitimate Xactimate items that go WAY above and beyond the regular BS (ridge/starter, O&P, flashings, IWS, etc.)

I cover real life examples of supplement, such as one residential claim that began at $30,000, where through my supplementing method, I doubled the original claim size, taking it to over $60,000 using the exact methods of supplementing I teach in my online course. As a bonus, you get an interview with an experienced insurance adjuster who shares secrets about the insurance companies, the biggest mistakes contractors make on adjuster meetings and how to avoid them, and how to get on an adjuster’s good side. You also get tools like my famous “O&P Letter” and “letters from the homeowner” to overcome adjusters’ objections about code, matching, warranty issues, etc.

These strategies are simple to understand and easy to duplicate so you can start using them right away to get immediate results. Don’t waste any more time through trial-and-error, and let me show you exactly how to transform your sales and income this year through my proven storm restoration sales techniques so that you can earn more money than ever before by working smarter, not harder, using honed and perfected techniques and methods instead of continuing to spin your wheels and miss out on sales and income.

Want proof it works? Check out the raving reviews my clients have shared since 2014 here.

The bird is the word.


  • Neeman

    Reply Reply December 27, 2015

    “I couldn’t say with 100% certainty that this is from hail, but I couldn’t say with 100% certainty that it isn’t, either. What do you think?”

    Your right, I’m definitely using this line on my next adjuster meeting.

    Thanks for the support !!

    • roofsalesmastery

      Reply Reply January 20, 2016


    • Mary May

      Reply Reply June 7, 2024

      Sounds great! I’m going to try that first chance I get.

  • Richard Chandler

    Reply Reply January 26, 2016

    Thanks for the advice. You know it’s funny you say these things because I tell my guys the same thing. The adjusters in the field are your friends, just like the desk adjusters i deal with are my friends. I always tell my guys the more you become friends with the adjuster the better off you are. Here’s a question i like to ask adjusters, “If you don’t mind I’d like to ask you a couple of questions just for learning purposes.” You wouldn’t believe how much the adjusters eat this up, they love to educate us contractors if you haven’t noticed. Thank you so much for the advice, it most definitely works.


  • James

    Reply Reply August 8, 2017

    send me weekly tips and videos

  • Roy Crutchfield

    Reply Reply June 5, 2024


    Thank you for this first free gift! I definitely find value from it!

Leave A Response

* Denotes Required Field