The idea of an adjuster typically causes anxiety for most homeowners. However through this blog, we hope to help you understand that showing an adjuster the damage to your home should be a feeling of relief. This process means you are one step closer to having your property repaired and your life back to normal.
Adjusters are licensed and professionally trained to analyze damage. These adjusters are instructed to ass all losses and report them back to the insurance company. The insurance company then reviews the reports, evaluates the costs considering the coverages from your policy, and send the proper payments as soon as possible.
Below are tips gathered from various adjusters and insurance companies which will help you have a smooth and speedy claims process.
Provide multiple ways for your insurance company to reach you.
A common mistake many people make is providing one form of contact which can make it difficult for insurance companies and adjusters to get in touch. Lack of communication will simply delay the process for you.
Have an inventory list of all the items damaged in your property.
Creating a list can save adjusters up to two weeks of time usually used to create reports.
Include proper descriptions of each item, when and where it was purchased from, the price paid for the item, and if possible, the receipt from the purchase.
Take pictures and videos.
The more documentation you can provide from when the loss actually occurred, the better. Do not throw away any damaged property away so the adjuster can see with their own eyes the damage sustained.
Be available and present at the time of inspection when the adjuster arrives.
Imagine yourself to be their tour guide. Walk them through the damages and verbally explain details as well.
Request a copy of all reports and receipts.
It is absolutely your right to have a copy of all documents throughout the claims process, you are entitled to it.
Get all instructions and directions in writing.
For example, if the adjuster advises you are able to begin repairs, ask to have that in writing.
Know that the initial check you receive will most likely be an advance and not the final amount you will be given.
Most insurance companies split the claims payment checks in three ways: expenses for living while your home is being repaired, losses for your personal belongings, and lastly, damages to the actual structures that were affected.
At the end of the day, adjusters are simply doing their job. The more organized and detailed you are, the easier the process will go. If you have any further questions or concerns, please feel free to contact us at 281-998-2500 or firstname.lastname@example.org.
We have also gathered information here on what to do if you are unsatisfied with your claims process or adjuster.