What your adjuster needs from you

2/1/2021 (Permalink)

As a homeowner, you do not plan for your home in Southaven, MS to flood, but if it does, it is important to know the critical first steps to take. Your home adjuster is tasked with assessing the damage, and there are a few key things you can document to assist with the analysis:

• Written list of all that is damaged or destroyed
• Cost to repair or replace damaged items
• Pictures of the damage
• Estimate from restoration specialists

Structural Damage

If there is visible damage to the house itself, you need to make note of it. Make a list of every wall that has signs of water damage. Check your floor for warping or missing tiles. If there are cracks in your walls or in your foundation, put that on the list as well. Take pictures of everything you write down to back up your statements. It is advisable to contact professional water damage restoration technicians to get an estimate in writing of how much the repairs to your home are going to cost to give to your home adjuster.

Destroyed Possessions

The insurance claim you file is likely to include damaged items in your home. Make an inventory of everything that needs to be replaced as a result of the flooding. Beside each item, list when you purchased it and approximately how much it would cost to replace it. Keep the damaged items and take digital pictures so you can print them out or email them. 

Once you have compiled an inventory of the damage to your home for your insurance claim, make a copy for your records before you hand it off to the home adjuster. That way, if there is a discrepancy between what the adjuster finds and what your records show, you have your own proof. Ensuring that you and the adjuster have the same information may help your insurance company settle your claim and get your home back to normal more quickly.