The Adjuster’s Visit: Minimizing Potential Problems

11/1/2021 (Permalink)

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Avoiding Potential Problems During An Insurance Adjuster's Visit

Few things cause as much consternation to a homeowner as working with a home adjuster after filing a loss with your insurance company. Knowing the insurance company has the future of your repairs in its hands can be both frustrating and frightening. But you can be prepared for any questions the representative may have by following a few simple steps. Although not all policies are equal, most insurance adjusters require the following information to settle an insurance claim.

1. Keep a log of everything possible. Yes, even in this technological world, information can get lost.  By keeping a log of phone calls, timeline, emails, and face-to-face communications, you are protecting yourself. Many people even send emails to confirm conversations after a meeting to prevent the “he said, she said” problems that can occur.

2. Create an inventory of damaged property and personal possessions. It is important to keep a complete inventory list of anything you plan to claim. Don’t forget to include the unseen items, such as damaged carpet padding, objects in cabinets, and sheetrock. For every item listed, include the following:

• Description of item, including make and model number
• Cash value when the item was purchased
• Cost of the replacement item
• Include any applicable paperwork, receipts, and bills

3. Ask your insurance company what restoration team it prefers to work with and contact the business immediately.This can ensure you are doing your best to protect the property from additional damage. Ask the crew to detail its cleanup efforts for your home’s adjuster, and request pictures before, during, and after cleanup.

4. Obtain written bids from licensed contractors.Get more than one bid, if possible. Bids should include a complete materials list with itemized prices.

5. Keep accurate records of expenses and repairs. If your safety is involved, and restorations must be made before a visit by the adjuster, keep detailed records. Also, notify the insurance company for approval before making the repairs.

Being prepared can minimize potential problems during a home adjuster visit. It can also help speed the claim process forward.

Your SERVPRO of Clarion Jefferson and Forest Counties team stands ready to help you get back to your life "Like it never even happened," call us at 814 849-5653