How To Prepare for an Insurance Adjuster's Visit

7/29/2022 (Permalink)

The Insurance Adjuster works closely with our team from start to finish

When a homeowner suffers from devastating damage to their property, there are many issues to handle. During the process, a home adjuster must assess the damage to determine the value of the destruction. The assessment includes the costs of repair and cleanup, as well as any necessary restoration. To make the process go smoother, there are some valuable preparations to consider.

What Preparations Are Important Before the Adjuster Arrives?

Call your insurance agent as soon as possible after the event to make sure the damage is covered under your homeowner's policy. There may be an insurance claim filing deadline, so ask about that as well. Many other preparations are important to receive a fast response.

Make a list of all damaged and destroyed belongings and furniture. If possible, include the approximate age of each item and the cost to replace it. Take pictures of the damage as well, because it's important for the home adjuster to review the damage at the time of the catastrophe.
If the house is safe to occupy, inspect the structure thoroughly. Look for cracks in the drywall and ceiling, and make a note of each damaged structure.
Before you submit the damage list and any receipts, make a copy for your records.
Request repair bids from licensed contractors in Overland Park, KS. These bids will speed up the claims process.
To protect your home from additional destruction, remove damaged furniture from the house. Keep it in the garage or outside, however, because the adjuster will need to examine it. If the damage is extensive, call an emergency restoration service right away.

It's critical to remember that flood damage is excluded under a general homeowner's policy. The federal government offers a separate policy for flood insurance claims.
The more preparations you take before the home adjuster arrives, the quicker your claim will be processed. This will help you get your house back to its original condition as soon as possible.