Call For Back-up in Your Time of Need
When disaster strikes, and your home has been damaged by water, protect your investment and consult with a water claims adjuster to represent your interests.
This kind of situation is inevitably going to bring stress into your life, so having someone on your side who specializes in water damage claims is highly advisable.
Insurance adjusters are not involved with your best interests at heart. Ultimately, they represent the insurance company.
Unfortunately, it is all too common that many homeowners don’t receive their proper compensation, because they are unfamiliar with the claims process.
Public adjusters know what to look for, have expertise in understanding legal language, as well as in negotiating settlements.
How you file your water damage claim can make the difference between full coverage and denial, so please don’t take this lightly.
This article will look at some of the steps you can take to assist your water claims adjuster, and what you can expect from their service.
Things You Can Do
After you have contacted your public adjuster regarding your water damage claim, there are some steps you can take to help protect and expedite the process.
Be Careful What You Say
When speaking with your insurance company and their adjuster, it is important to mind what you say. Water damage and flooding are two different things, so don’t use the word “flood” or “flooded”.
It is unlikely that your insurance company will take the stance that a burst pipe is the same as an overflowing river, however, floods are not covered in standard insurance policies so it is best to simply leave this wording out of the equation.
You don’t want your claim delayed to tricky legal interpretation.
Take Photos and Document the Damage
Don’t wait on this one. Take a lot of photos from as many angles as possible.
They will back up your claim as the solid evidence that they are.
Prepare an Inventory
Your public adjuster will assist you with this, but the sooner you get started, the better.
Create a detailed inventory of all your damaged possessions, with their approximate age, price, and the estimated cost of replacement.
Make Temporary Repairs
Take this one with a measure of caution, and be careful what you repair here. Don’t touch any clear evidence that your damage was caused by water unless it is going to cause further damage, such as broken window and leaking roofs.
Otherwise, leave it place.
Take photos first, of course, and save all your receipts for reimbursement.
What A Public Adjuster Can Do For You
Aside from walking you through the claims process, so you can focus on piecing the other areas of your life back together, your public water claims adjuster will see that you receive the full amount necessary to “indemnify” you.
This is the fancy legal term for compensation for your loss.
It is good to know this term so you can use it in any conversation you have with your insurance company. This will cue them into knowing you are informed on the matter.
They are responsible according to the terms of your policy, and a public adjuster will see to it that the terms are met fully.
Something to consider, is that your insurance adjuster may not have the necessary level of experience, knowledge and ability to properly identify all water damage and the accompanying costs therein.
That is why you need an experienced public adjuster working your claim for you.
The Bottom Line
After a disaster, you will need the funds to repair and rebuild, but don’t get left holding the bag for this when you don’t have to.
The last thing you want is a second disaster to your finances, so see to it that you are properly compensated by employing the skilled services of a water claims adjuster.