4 Things To Do Before Your Adjuster Arrives

10/18/2019 (Permalink)

Water damage in a Guthrie, OK home

4 Things To Do Before Your Adjuster Arrives

When your home floods after a storm in Guthrie, OK, your first call is probably to your insurance company. The company will send a home adjuster to evaluate your claim. Here are four things you can do to make this visit go more smoothly.

1. Call Repair Specialists

Water damage in your home requires professional remediation. By scheduling an assessment of the problem with water restoration experts before your adjuster arrives, you can gather information that substantiates your insurance claim:

• Parts of the structure that need to be repaired or replaced
• Extent of the damage
• Estimated cost of the restoration
  

2. Document Damage

You don't want to delay the remediation process, but you still need proof of the original damage. Pictures or video taken of your home right after the flood can help your home adjuster in his or her assessment. Keep every damaged item you can so that you have physical proof as well.

3. List Replacement Costs

Every item that is ruined by flooding may need to be replaced. Start a list of these items and jot down their replacement cost. If you have receipts of major purchases to back up your list, that's even better. Gather all your documents in one place so that you are ready to present them to the adjuster upon arrival.

4. Keep a Copy for Your Records

Your adjuster isn't the only person who needs a record of your losses. Make copies of everything before you hand the documents and lists over. The remediation company will likely keep electronic records that are shareable with the insurance company. Make sure you know how to access them as well.
Dealing with a home flood may seem like a huge task, but mitigation professionals and your insurance company are there to assist you. If you complete this checklist before your home adjuster arrives, you can help the process get started smoothly.