Your Insurance Adjuster Is a Big Fan of Organization

5/18/2021 (Permalink)

Feel sorry for home adjusters, especially when they come in teams to handle a regional disaster. They work long hours. Claimants are neither happy nor prepared. The list of water damage claims goes on and on. When they finally do sleep, they dream that they will one day visit an insured who is organized and ready to go.

Learn Where You Stand and What You Need to Do

You may already know everything there is to know about how your policy covers your home for water damage, but that is not enough. You need to have a good understanding of the insurance claim process and your responsibilities in it. Here are a few questions you should ask your agent or company in your initial call:

• What is the deadline for filing claims?
• Can temporary repairs to secure the home proceed?
• When can permanent repairs begin?
• What do you need for documentation?
• Will your insurance pay for you to relocate temporarily?

Hopefully, your insurer does not expect you to let the water damage continue to grow while you wait for a home adjuster. If they allow you to begin before the adjuster shows up, make sure that you understand the rules.

Be That Insured That Adjusters Dream About

Your adjuster needs copies of everything you can collect. If you can provide these items in an organized fashion, your adjuster will be ecstatic:

• Bills
• Receipts
• Digital photos
• Inspection reports
• Written bids

Also, the adjuster must have the opportunity to examine big-ticket items destined for the dump, if possible. However, bear in mind that no adjuster wants to inspect a damaged freezer full of food three weeks after the event. Dispose of the contents.

The Home Adjuster Approved Your Claim, and You May Begin Permanent Repairs

When it comes to repairs, it is always best to choose a company that works well with insurance companies. You will find such a team of water damage restoration experts nearby and ready to begin.