How To Make Your Meeting With the Adjuster Go Smoothly

7/12/2021 (Permalink)

Drying carpet in a home that suffered from water damage.

Making a claim after a flood in your Trenton, OH, home can leave you feeling overwhelmed. Your provider may want you to take pictures of the damage, meet with a home adjuster and hire a professional cleanup team.

Use this quick guide to help prepare for your meeting with the adjuster.

• Make a list. Chances are the adjuster is going to want to go over the details of your loss. You should make a list of any belongings damaged in the flood. Try to remember when you purchased each item and how much it might cost to repair or replace it. You should also include structural damages in your list. If possible, include pictures to give the adjuster a visual idea of what happened to your home.
• Keep the damaged items. Even though you made a list and took pictures, you should still keep any furnishings, building materials or belongings you plan on throwing out. The home adjuster may want to see the destroyed items to better understand the extent of the flood.
• Get a quote. If you already know who you want to tackle your restoration, you should get a quote. The adjuster may set a specific budget for your insurance claim.
• Keep receipts. Sometimes it may take a while for an adjuster to make it out to your home. If you have to start the repairs before your home is inspected, you should be sure to keep all receipts of the work done. Remember to also keep before and after pictures of your house to help the insurance investigator better understand what happened.

A home adjuster is sent out by your insurance provider to figure out the extent of your loss after a flood. Because this person may decide how much money you get from your policy to do the repairs, you want to make sure the meeting goes well.