Preparing for A Home Adjuster Visit

11/23/2021 (Permalink)

Work with your home adjuster to process your request.

Preparing for A Home Adjuster Visit

When water invades your home in Doylestown, PA, it can create a need for extensive repairs. Materials need to be tossed. Rooms need to be fixed. Furthermore, in the midst of all of the chaos, you also need to consider how to work with your insurance agency. You'll need some organization, documentation and patience, so consider the following as you prepare for the home adjuster to visit.

1. Establish a Claim

The pipe burst and your room flooded. Everything is soggy, and you just don't know what to do. Contact your insurance company that day. In fact, do it while the plumbers are there. That may seem overwhelming, but you'll need to establish an insurance claim, and you don't want to wait. Your request can be denied if you don't show immediate action. Grab your card, look up the phone number and speak to someone. During this conversation, spend time discussing your policy, asking about procedures and expectations. Because it's a trying time, take notes or record the call. You may need to review it for details later.

2. Document Everything

The home adjuster will ask for lists, so get prepared and start keeping tabs on everything. Create an Excel spreadsheet, or grab a notepad. Whatever you decide make it neat and orderly. Then, write down any money spent on the home repairs. Only make the immediate needs, and hold onto receipts. Jot down contact information and take pictures of the work. Then, begin collecting information on anything that has been ruined because you may have compensation for lost goods. Photograph damaged goods, and then look up the cost to replace each belonging.

3. Gather Bids

Allow the company to review your documents. While this occurs, meet with water remediation companies to discuss the cost of restoration. Each business should provide you with an itemized inventory, detailing materials and costs. Submit these to your insurer, and converse about which company best satisfies your needs.
Work with your home adjuster to process your request. It may take time, but your thorough notes and packet of receipts might help the process run smoother.