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Fire & Water - Cleanup & Restoration

Getting Ready for the Insurance Adjuster

4/12/2022 (Permalink)

Blue ballpoint pen, two antique brass keys and a home insurance claim from on a plywood clipboard. Because water damage occurs unexpectedly, it's a good idea to be prepared ahead of time so you aren't hit with a big bill if the worst happens.

Preparing For The Insurance Adjuster

When your home in Collingdale, PA, has sustained water damage, it can be overwhelming to process what happened and know what to do next. However, as soon as you have a handle on the extent of the damage, it's important to place a claim with your insurance company as quickly as possible. Soon after you file your claim, a home adjuster should be sent out to assess the damage and file a report.

While you're waiting for the adjuster's visit, here are a few tips to help the claims process go smoothly:

Know What To Ask Your Agent

Have your questions written down before calling your insurance company and be sure to ask:

  • When to expect the visit from the adjuster
  • What receipts you need to provide
  • What the deadline is for filing
  • What your deductible is
  • Whether your policy covers the damage you incurred
  • How long it will take to process your insurance claim

Itemize the Damage Thoroughly

Create your own "damage report." In addition to writing out a detailed list, photograph and videotape the overall damage and the damage to each item on your list. If you've saved receipts, collect them and make copies to give to the home adjuster, or if you don't have them, research the current replacement costs for what's been damaged. Get written estimates for repairs and include that along with everything else.

Act Quickly To Repair Damages

If your repairs require expertise not in your skillset, call in the appropriate contractors to begin the work as soon as possible. In many cases, your best option is to hire a water damage remediation service to address everything from the initial cleanup to preventing further damage in the future. Even better, these professionals can work with your insurance company to help speed along the claims process.

If you don't already have it, ask your home adjuster or agent whether you can add a flood insurance rider to your policy. Because water damage occurs unexpectedly, it's a good idea to be prepared ahead of time so you aren't hit with a big bill if the worst happens.

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