4 Things To Do Before The Home Adjuster Arrives

2/18/2020 (Permalink)

The home adjuster's overview should be easier if you take the time to plan ahead

4 Things To Do Before The Home Adjuster Arrives

When water saturates your home in Waterloo, OK, you may be able to open a claim, seeking assistance from your insurance company. Before a final decision is made, though, a home adjuster needs to visit, determining the extent of damage and validating your request for repairs. This may seem stressful, but it doesn't need to be. With a bit of preparation and organization, this appointment should go smoothly.

1. Know Your Information
As soon as you can, contact your insurer, informing them about the water damage. They'll have several questions, particularly about how it started, where it occurred and how it needs to be handled. During this conversation, it's best to know your policy as best as possible. Be prepared to answer the following questions about this insurance claim:

• Does the plan include flooding?
  
• Do you have gradual coverage?
  
• Is this secondary damage?
  
• Have you regularly serviced the plumbing?
  
• Is the utility service at fault for any of the trouble?
  
  

Be patient. Keep materials in front of you, and take notes.

2. Photograph Problem Areas
Before anything is fixed, go around the house snapping pictures on your cell phone. Nothing is too small. If it has a sign of penetration or wear, capture it. Download these onto your computer into one file for safekeeping. Print them out for the interview, or email them to the home adjuster.

3. Create an Inventory List
Use your photos to write out your property loss form as well as create an overview for the walk through. If possible, gather old snapshots that demonstrate the area was previously fine.

4. Obtain Quotes
Don't hesitate to have a professional water restoration company inspect the premises, assessing the property's required repairs. These expert opinions may help clarify any confusion about the necessity of replacing certain items. In addition, it's best to secure an electrical inspection at the same time.
The home adjuster's overview should be easier if you take the time to plan ahead. Read up, know your info and record everything.