Tips To Help You Prepare for an Insurance Adjuster's Visit

4/25/2022 (Permalink)

Tips For Preparing For An Insurance Adjuster Visit

When a flood causes significant damage to your home in Falcon Heights MN, your insurance company's home adjuster will schedule a site inspection to gather the information necessary to process your insurance claim. You can plan for this visit in the following ways.

Create a List of Losses

Before you begin the cleanup process, go through your belongings and make a complete list of irreparable or severely damaged items, including:

• Clothing
  
• Furniture
  
• Carpets
  
• Window Coverings
  
• Electronics
• Photos

Attaching photos of as many items as possible to your list will substantiate your losses. You can also provide written descriptions if taking photos is impossible because of your belongings' destruction.

Inspect Your Home Carefully

Check your home for damage to its foundation, garage, swimming pool or any of its structural parts and prepare to discuss any abnormalities with the home adjuster. Identifying pre-existing defects or sudden damage preceding a flood can help define the scope of your claim.

Research Contractors

Acquiring quotes from at least three licensed contractors to clean your home or restore your belongings will facilitate the claim process. Ask these vendors to provide details describing their materials and methods and a working timeline your insurance provider can review before confirming coverage. A reliable disaster recovery service will not start working before receiving clearance from your insurance company.

Gather Documents and Receipts

Sorting relevant paperwork and assembling it into a single file will prevent unnecessary delays settling your claim. In addition to an itemized list of your belonging with photos and contractor quotes, include item purchase and moving expense receipts, written art appraisals or any documents that support your claim and provide answers to potential questions. Be sure to include all of your contact information on the paperwork to ensure you are reachable.

If your home in Falcon Heights MN experiences a flood, a reputable flood restoration company can work with your insurance company's home adjuster to facilitate your insurance claim.