5 Things To Do Before an Adjuster Arrives

3/5/2020 (Permalink)

Complete some leg work before the home adjuster inspection. This could help expedite the process and make settlement easier.

If you've experienced water damage, you probably called your insurance company in Whitemarsh, PA, requesting to file a claim. This isn't always a quick and simple process, however. Before a check is cut and approval is given, a home adjuster needs to visit the location, determining the extent of the problem. Be prepared. Use the following four tips to make the survey smoother.

1. Read Your Policy
You shouldn't rely on the insurer to tell you how they can help. Instead, before you take any steps, read over your paperwork. Know the deductibles, and be very aware of what is and isn't covered. Have a printed version available, and be prepared to use it as validity for your claims.

2. Take Pictures
As you walk through the premises, snap photos on your phone or with a camera. If possible, have a time stamp on them. In addition, gather former pictures you've taken from before the trouble. This comparison helps authenticate the insurance claim. Keep in mind that you may have compensation for personal items. Therefore, before you toss something in the trash can, shoot a picture of its destruction.

3. Have Inspections
Know what is wrong before they come. It's best to get a few outside quotes and tests, looking for what you may not see. For example, have an electrician look over the place, ensuring that everything is okay. In addition, request an overview from a water restoration company. Keep a copy of all of the estimates and issues to show the home adjuster.

4. Compile a List
Take your information, and write it out. This should include an inventory list for your lost belongings as well as the need for repairs. Mark how much it should cost to purchase replacements. When the adjuster arrives, use this as a guide for your walkthrough, pointing out anything that is not noticed.

5. Save Receipts
Documentation is vital to retrieving what you deserve. If you bought something or paid for a service, keep the receipt.

Complete some leg work before the home adjuster inspection. This could help expedite the process and make settlement easier.