Storms, fire, flooding -- damage to your home can be very stressful, regardless of the cause. This is why you cary homeowner's insurance, to ensure you can fix your home with as little stress as possible. To this end, you will have an insurance adjuster come out to your property to assess the damage and file the claim. The following tips can help you through this process as smoothly as possible.
Tip #1: Improve accessibility
You need to make sure the damaged area is accessible to the adjuster so they can properly view and assess it. If safety is an issue, this may include having the electricity or gas shut off to the area before the adjuster arrives. You may also need to move your personal belonging so that the adjuster can reach the area or view it clearly. Do not clean up or fix anything that pertains directly to the claim if it's not necessary. For example, although you will want to tarp a roof or extract flood waters, you should not replace the roof or carpet until after the adjuster has been out.
Tip #2: Read through your policy
Make sure you understand your policy before the adjuster arrives. This can help prevent surprises. For example, if you find out your flood insurance only covers plumbing events but not weather events when the adjuster arrives, chances are you won't be happy that you waited to fix everything that was flooded in the last storm. If you have questions about your policy, contact your insurance agent. They are better situated to answer these questions than the adjuster, whom is simply there to record and file the damage.
Tip #3: Do some research
Insurance adjusters are well trained to do their jobs, but it is up to you to make sure your insurance company follows through on giving fair compensation for the claim. The best way to do this is to do your research. Find out the average cost for repairs before the adjuster comes out. You can even go so far as to have quotes from contractors on hand to use to work with your insurance agent once the adjuster has recorded your claim. Don't be afraid to ask the adjuster questions, either. For example, if a contractor mentions a repair that the adjuster didn't include on the claim, ask why (politely, of course). This can help ensure that you get the most accurate claim entered.
Talk to an insurance adjuster, like one from The People's Choice Public Adjuster, in your area for more help.Share
17 May 2017
When I was growing up, I remember my mother always scolding my dad for his shopping habits. I had no idea how much he had collected over the years until he recently passed away and I went into the attic of their home to clean it out. It was filled with so much stuff I just didn't know what to do with. I almost threw a lot of it out until my brother arrived and told me some things may be valuable. We ended up taking some antique furniture, a coin collection, and a few other items to be appraised and were very glad we didn't throw them out -- they were very valuable! I thought I would start a blog to share my experience and what I learned during the process of having many items appraised. I plan to post many tips, so come back soon!