After you file a claim, your homeowner's insurance sends an adjuster to get evidence and assess the damage. You may feel worried about the outcome of the process. Yet, you shouldn't worry because the process can be simpler if you have the proper knowledge and evidence. Here is a guideline to help you get the best out of your meetings with the fire damage claims adjuster.
Prepare for the Meetings
You need to be ready before the fire damage claims adjuster arrives. Some preparation tips include:
File reports with the fire department. Report the incident and request copies of the information to present to your insurance company. The documents provide an account of your losses and support your claim.
Take clear pictures of the damage. Your property can sustain so much damage that you must remove and discard some items before the adjuster arrives. In such a case, the fire damage claim adjuster examines the photos and includes the findings in the report.
Make simple repairs whenever needed. One of your responsibilities is to ensure the damage doesn't worsen. Therefore, repair sections that could injure your family as the claim proceeds after you have taken clear photographs.
Early preparation simplifies the fire damage claim adjuster's job and improves the outcome's success.
Gather and Keep Written Records
Organize credit card reports, receipts, etc., that validate the information on the personal property spreadsheet. Such documents ensure you receive the proper settlement. Also, keep receipts for extra living expenses if you can't stay in your home.
Make and keep notes or documents of all things related to your claim. If the fire damage claims adjuster tells you to start repairs, record the information for reference. Also, you can get a new fire damage claims adjuster during the claims process. So, you will need the records to enhance the hassle-free transfer of information.
Keep a Log of All Meetings
Document your interactions with the fire damage claims adjuster on a spreadsheet. Log the date and time with details of the discussion. In addition, get electronic copies of reports or statements the fire damage claims adjuster makes. The log helps you stay organized throughout your claims proceedings.
During the meetings, be honest about your loss. Focus on the event and associated damages. Also, avoid false statements, which could make you fail to receive the compensation. In worse scenarios, you might face a lawsuit for insurance fraud.
The fire damage claim adjuster uses what you provide to move your claim to the next process. So keep your evidence and records ready before the visit. Finally, be kind and polite even if the fire damage claims adjuster says something you disagree with. Courtesy makes your dealings hassle-free, even if differences occur along the way.
For more information, contact a local fire damage claims adjuster.Share