4 Steps to Prepare For an Adjuster’s Visit

12/30/2018 (Permalink)

Removing insulation after a water loss in Perry, OK

4 Steps to Prepare For an Adjuster’s Visit

The process of filing an insurance claim should proceed smoothly if a policyholder prepares for a visit from an insurance adjuster. A home adjuster will need information about building materials, contents, and structural damage. Here are four steps to help homeowners prepare for an adjuster's visit.

1. Gather Information

Assemble as much information as possible about contents and building materials that have sustained damage. It can be helpful to obtain an expert opinion regarding which items or materials can be cleaned or repaired and which will need to be replaced. Helpful information includes descriptions of items, approximate dates of purchase, and the estimated cost of repair or replacement.

2. Find Signs of Damage

A home adjuster will probably also want to see signs of damage. A policyholder should make a list of damage to show an adjuster. Homeowners may also want to take photographs or record video footage to submit to the insurer or keep for their records.

3. Obtain Bids

Homeowners may be able to expedite the process of filing a claim by obtaining estimates from contractors and specialists that perform mitigation and restoration. The more itemized these bids are, the more likely it is that the claim will be approved and processed in a timely manner.

4. Make Copies

Make at least one extra copy of any documentation submitted to an insurer. Keep copies of all the paperwork the insurer provides. Policyholders should also keep a record of the names and phone numbers of adjusters you talk to in the process of filing proof of loss.

These measures will help homeowners prepare for a visit by a home adjuster, and should increase the likelihood that an insurance claim will be processed in a timely manner. If you require the services of a residential damage mitigation and restoration company, look for a company trusted by insurers in Perry, OK.