If you live in Florida, you know there is always a chance for a storm to wreak havoc on your home. That is why you have homeowner’s insurance. As part of the claim process, you will receive a visit from an insurance adjuster. If you have never met one before, you probably wonder what they do.
The number one thing to remember is that the insurance adjuster is not your friend. They are paid by the insurance company to try and reduce the amount paid to you. Here are some things you should do to make sure you receive the compensation you need:
- Make a list of the damaged property: It is easy to forget things. List all damaged property and its worth. If you do not know the value, find out. That way, you have a factual basis for your claim and avoid losing the chance to claim for all covered items.
- Compile evidence: If you were an insurance adjuster looking to reduce a payout, who would you be more scared of? Someone who has a folder full of receipts and photos to back up their claim. Or someone standing there with no idea what their property items are worth?
- Ensure you are there when the adjuster comes: If it means taking the day off work, find a way to do so. You could lose far more than a day’s wages if they do not spot all the property damage or try to ignore it.
- Do not admit fault: Maybe you think that you should have done something different to prep for the storm, but you should not tell the adjuster that. Stick to the facts: the storm destroyed your building, and you need compensation.
Above all, do not try and pursue a homeowner’s insurance claim alone. You need legal back up to ensure the insurance adjuster and policy provider do not try to short change you.