Preparing for Your Insurance Adjuster's Visit

1/11/2021 (Permalink)

A home adjuster needs to examine the damage

Preparing for Your Insurance Adjuster's Visit

When an unimaginable event happens and your home in Sleepy Hollow, IL, has suffered extensive damage, it can be difficult to know where to turn. It's important to call a storm damage restoration service to help with the repairs. Once you've determined that you can stay in your home, you must also call your insurance agent as soon as possible. A home adjuster needs to examine the damage if you plan to file a claim. Before you make the call, prepare as much information as you can to speed up the process.

1. What To Ask Your Insurance Agent
It's important to determine if the damage is covered under your policy. For example, flood damage is not part of the typical home owner's policy. Separate insurance must be purchased through the National Flood Insurance Program. Make sure you ask your agent the following questions:

• How long do you have to file an insurance claim after the event?
• How much is your deductible?
• Do you need to call repair services before a home adjuster can visit?
• How long will it take to receive payment?

2. How To Prepare for the Adjuster
Before you schedule a visit, collect as much information as you can to speed up the process:

• Gather receipts of all the supplies you purchased to make basic repairs.
• Inspect the house thoroughly so that you can quickly point out structural damage or damaged roofing.
• Take pictures of all damaged items and create an inventory of each item, along with its estimated worth. Make sure to keep all the items for the adjuster to personally inspect.
• Make sure any contractors' bids detail the repairs needed.
• Keep copies of everything you plan to give the adjuster. It's a great idea to put all papers and photos in a binder to keep everything together.

An experienced home adjuster will help you get back on your feet as soon as possible.