Preparing for the Adjuster
First, if you have a copy of your insurance policy, read through it to determine what damage is covered and what is excluded. If you have any questions about your coverage you can talk to one of our insurance attorneys for assistance. Your insurance provider will be able to provide you with a copy if yours was destroyed or lost in the storm.
Start documenting the damage that occurred during the storm, including damage to your home, landscaping, vehicles, and other personal property. Take videos and pictures of structural damage, damage to the interior of your home, and damage to your lawn and gardens.
You will need a damage inventory list for the required Proof of Loss documentation, and you can begin developing it while you wait for the adjuster. List everything that was damaged or lost in the storm, and be as detailed as possible. The insurance company will have a better idea of replacement costs if you provide a full description. For instance, it’s better to include the full description of your losses, such as writing “2017 LG WM500HKA Turbo Wash, Top loading 4.5 cu foot washing machine” instead of just listing a “washing machine.” If you have purchase receipts for the items on your list, include those too.
You will need to make temporary repairs to reduce further damage and increase safety. Before you begin removing wet and damaged materials, take pictures, and keep receipts for any materials or labor you purchase to make the repairs. Removing wet materials can help reduce the development of dangerous mold, but don’t let any of these materials be hauled away until after the adjuster sees them unless you get prior authorization from your insurance provider.
When the adjuster comes to inspect, walk around with them to ensure they record all your damage. If you have a builder or contractor, have them walk around with the adjuster also, so they can discuss any technical issues regarding rebuilding and repairing your property.
The adjuster will complete an inspection report on which the provider will base their decision to pay all or some of your claim. It’s important that you know that you do not have to accept the insurance provider’s decision regarding your claim. If you believe your claim was unfairly denied or underpaid, or if you believe your insurance provider is delaying your claim unnecessarily, you have several options.