The Role Of An Insurance Damages Expert In Your Claim

6 April 2022
 Categories: Insurance, Blog

Sometimes, the property damage involved in your claim presents technical complexities. Therefore, you will likely need an expert-intensive damage investigation for clarity. The opinion of a qualified insurance damages expert about the cause of property damage boosts your chances of recovery. As discussed below, an insurance damages expert performs various roles in your claim.

1. Forms Expert Evidence and Opinion

The court determines whether you need expert evidence based on your particular case facts. Sometimes, you face technical complexities and disputes during your claim process. An excellent insurance damages expert has deep knowledge of functional areas that cause disputes. So, if you face disputes, your insurance damages expert's evidence provides answers to disputed matters.

For example, the insurance company could claim that the property damage wasn't caused by the accident in question. When you seek compensation, you prove:

  • Property damage

  • The purported incident caused the damage

  • The other party is responsible for damages suffered

You'll need expert analysis or evidence to prove that the accident ruined your property.

2. Drafts Expert Reports

Some states have procedural codes based on federal rules that an expert follows to draft the required report. The report shows the origin of the incident and how the incident destroyed property. Besides, reports serve as a reference point for duly conducted research. With the report, you and other involved parties better understand the case. 

Some technicalities involved in your claim could be way beyond a layman's knowledge. For instance, you could suffer a less-known medical condition from the accident. Other parties involved in your claim should understand how the condition relates to the accident. An insurance damages expert drafts the report with less technical terms. So, anyone who needs the information understands the report better.

3. Gives Testimony

An expert isn't always required to give testimony, but they do when needed. The testimony of qualified expert witnesses invariably establishes the standard of care. Expert testimony is based on enough facts reached upon by reliable methods and principles.

Remember that the expert doesn't necessarily represent you but gives an unbiased opinion about the situation. But, an expert could guide your attorney on how best to relay the technicalities of your damage to the court. As such, you can present evidence of damage to the court with more clarity.


An expert is educated, trained, experienced, and uniquely qualified to give a viable opinion. Thus, if you experience a technicality that requires expert evidence, an insurance damages expert comes in handy. Also, note that experts complement and don't substitute the role of an attorney.  

For more information, contact a local insurance damages expert