What To Do Before Your Adjuster Arrives

9/15/2021 (Permalink)

Take these steps to maximize your insurance payout.

Things To Do Before The Adjuster Arrives

Flooding in your Piatt/DeWitt County home can be expensive to resolve. Your homeowner’s insurance is designed to help you cover it, but to get the settlement you need, you must take several steps. A home adjuster visits your home to examine the damage and decide how much your claim is worth. Here are a few things to do before the adjuster arrives that may maximize your payout.

Document the Damage

Your adjuster is going to walk through your home and assess the damage. Ideally, you would be able to trust this assessment, but it is helpful to document the damage on your own so that you have something to compare with the adjuster's observations. Your documentation should include the following items:

• Inventory of damaged items and the approximate cost of replacing them
• Photographs or videos of the damage
• List of structural damages
• Bills from emergency inspections and temporary repairs
  

Consult the Professionals

One of the first calls you make should be to water restoration experts. In addition to restoring your property, there are several benefits their services provide to help you with your insurance claim. They can conduct temporary repairs to keep the damage from spreading, and the itemized list of the repairs they make tells the home adjuster that you took proactive steps to minimize the problem. The proposed bid you get from the specialists can also speed up the processing of your claim adjustment.

Once you collect your lists and the itemized repair plans from the contractors, make a copy of everything so that you have it for your records. Fill out your claim correctly and completely. Detailed efficiency is the key to your success when filing a claim. The more information you can provide and the more helpful you can be to your home adjuster, the better chance you have of the insurance company honoring the claim you make.