How To Prepare for an Adjuster’s Visit

2/7/2022 (Permalink)

How To Prepare For A Visit From A Claims Adjuster

If you’re filing an insurance claim for damage to your home, your insurance company will require that a home adjuster, who is professionally trained to assess damage for insurance claims, review the domicile. While insurance companies are happy to send adjusters that work for them, you can also hire your own public adjuster in Redlands, CA, to do the assessment.

Either way, your claim will be most successful if you prepare for the adjuster’s visit in advance. In general, the more information and evidence of damage you can provide to the adjuster, the more likely your insurance company is to pay for damages. Follow these basic steps to get ready for an adjuster’s visit.

1. Make a Visual Record of All Damage

Take photographs or videos of all the damage in your home. This includes damage to possessions like electronics, furniture and carpets as well as structural damage to walls, floors, sheds and swimming pools. This provides irrefutable evidence of the damage. Make sure you don’t throw anything away or make any permanent repairs until after the adjuster’s visit.

2. Take a Complete Inventory of Damaged Items

At the least you’ll need to make a list of everything that was damaged. Information should include the make and model, the item's age and the condition it was in before it was damaged. If you have purchase receipts you should gather these together and give them to the home adjuster.

3. Get Estimates for Clean-Up and Repairs

Contact disaster mitigation services and building contractors in Redlands, CA, to provide official estimates for the cost of cleaning up and restoring your home. Give these estimates to the adjuster along with the inventory and visual record of damages. By providing evidence for how much everything will cost, you’re making it clear to your insurance company what needs to be paid for.

Before a home adjuster comes to assess damage to your home, make sure you have made detailed records of the damage. This means you can point it out to the adjuster and provide documentation of what everything is worth and how much it will cost to repair or replace.