Property damage is inevitable after a fire, hailstorm, windstorm, or other natural disaster. When you suffer loss, your insurance company will compensate you depending on the extent of the damage. Once you notify your insurer, they will send an insurance adjuster to your property for a comprehensive review. The expert gathers evidence to make a ruling based on the data. Here's how to prepare for an adjuster's visit.
Take Photos of the Damage
Before an adjuster arrives, it's crucial to have clear photographs of the aftermath of the destruction. This way, you can present the evidence in case there is a dispute during settlement. The adjuster will also document the damage, but it's essential to keep your own copy as well.
On that account, you need to take as many pictures as possible. Also, don't move anything; instead, leave the items as they were after the occurrence. Avoid cleaning up since that will distort the evidence.
Report to the Sheriff's Office or Fire Department
Your insurance company and adjuster will want to go through a police report when you file a claim in many cases. Therefore, you should report the incident, especially if it was a fire, to the nearest sheriff's office or fire department. Request a copy of the reports for evidence to the adjuster and insurer.
The homeowner's insurance company will have an idea of what transpired. Also, it will be easy to get fair compensation when you have valid police documentation of the loss.
Remain Honest
When an adjuster visits, you have two options: to be absent or attend the investigation. It is prudent to be present the whole time to avoid missing anything. If an adjuster asks you to sign any papers, don't exaggerate your statement. You might be committing insurance fraud if you do, which will land you in jail.
Ensure that you tell the truth about the actual losses. Untrue claims will delay your compensation, and you might face a lawsuit.
Avoid Taking the Blame
An adjuster will pay attention what you are saying to draft a conclusive report. On that account, you shouldn't take the blame if you weren't at fault. Take, for instance, if a tree fell on your home during a storm and caused massive damage. Don't say that you knew the tree was diseased or had overgrown branches that needed trimming.
Such statements would show that your lack of action contributed to the disaster. In such a situation, you only need to do the following:
- Avoid giving recorded statements.
- Answer questions correctly without contradicting yourself.
- Don't take any blame until fault is established.
Contact a company that offers insurance services to learn more.
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