Prepare for a Home Adjuster Visit With 3 Easy Steps
Three Steps for Preparing For An Adjuster's Visit
Filing an insurance claim for a flooded home can seem like a complicated process. Between handling the shock of the disaster, fixing the broken pipes, and restoring your home, squeezing in a visit from the home adjuster can feel overwhelming in Seattle, WA. If you have never filed a claim before, the process can be quite stressful. However, with thorough preparation, the process can go smoothly and quickly.
1. Prevent Additional Damage
Make temporary repairs to prevent additional damage while you wait for the adjuster to come. If the damage gets worse during this waiting period, some insurance companies may deny your claim if you neglect to make a reasonable attempt to mitigate your losses. Keep all receipts from these repairs and submit them to your insurance provider for reimbursement with your insurance claim.
2. Document the Damage
Compile a detailed list of any items that were destroyed or damaged during the incident and give it to the home adjuster. Gather copies of any receipts showing how much you paid for each item and its date of purchase. Take photographs or record a video of any damage and do not throw out any items until after the adjuster has visited. Make a list of any structural damage that occurred from the flood, including damage to walls, floors, and doors. Be sure to have an inspection of your electrical system as well. Many insurance companies will cover the cost of these inspections.
3. Keep Your Receipts
Keep a copy of all receipts for any additional costs related to the flood. For example, if you are unable to stay in your home due to the damage and need to seek temporary housing, record these costs, and hold on to the receipts. If you hire a professional water cleanup service to restore your home, keep track of these costs as well.
Dealing with a home adjuster may seem intimidating but following these simple steps and preparing ahead of time can help move the process along quickly. The more information you can provide, the faster your claim will be approved.