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Fire & Water - Cleanup & Restoration

Preparing for the Insurance Adjuster's Visit

5/27/2020 (Permalink)

Man wearing a white helmet writing on a clipboard A home adjuster is an important part of the insurance claims process

To Prepare For The Adjusters Arrival, Follow These Steps

You have probably heard that floods are not included in a typical homeowners' policy. Yet many other types of water damage are covered. For instance, if water enters your home through a hole in the roof caused by a storm, you can file an insurance claim to pay for the cost of repairs.
Before your claim is finalized, a home adjuster will visit your property to see how much damage there is. To prepare for the adjuster's arrival, follow the below steps.

1. Make an Inventory
If it is safe to do so, walk around your home to see which items were damaged. Make a list of these possessions that includes costs and dates of purchase. You can give this list to the adjuster when he or she arrives.

2. Check for Structural Damage
The adjuster will also want to look at structural issues on your property. This includes any harm that occurred to the shed or swimming pool. Identify this damage in advance so you can show it to the adjuster.

3. Get Electrical System Inspected
Find out if the house has any electrical problems before the home adjuster arrives. The insurance provider may even cover the cost of this inspection.

Subsequent Visits
Keep in mind that if there is a major disaster in St. Charles, MO, the adjuster may have to visit numerous homes in your area within a short amount of time. As a result, the adjuster may initially only be able to provide an estimate of the damage. You can always set up a second appointment for a more thorough assessment.

Next Steps
After the adjuster has left, you can contact emergency restoration professionals. Your adjuster may even recommend a local company that he or she has worked with in the past. Make sure the adjuster has approved the cost of the cleanup before the work begins.
A home adjuster is an important part of the insurance claims process. If you properly prepare for his or her visit, you should get your money more quickly.

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