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Fire & Water - Cleanup & Restoration

Prepare These 3 Documents Before Your Home Adjuster's Visit

11/30/2020 (Permalink)

wooden floor damaged by water Water damage in Brunswick, ME

Prepare These 3 Documents Before Your Home Adjuster's Visit

If your Brunswick, ME, home experiences a flood, you need to contact your insurance agency. At some point, the company may send a home adjuster to assess the damage. This is an important process because it determines whether you will be covered and by how much. You need to prepare different documents so the adjuster makes an accurate and fair decision.

1. Receipts and Copies
Depending on your situation, you might have to meet some immediate expenses for temporary repairs and relocation. These costs are necessary for your well-being and important for the insurance claim. Submit receipts to the company but make copies in case the adjuster needs to see them. Record details such as the time, date and people's names. If multiple emergency repair service companies bid on your property, request written proposals with details about materials and their costs.

2. Inventory Lists
Floods and other water disasters can significantly damage your possessions. Insurance coverage generally includes affected items alongside destruction to the building itself. Before the home adjuster arrives, you will need to prepare an inventory of every object that was damaged or destroyed by water. Include available receipts and add details such as purchase date and the estimated worth of each item. Do not remove the articles from the building before the visit.

3. Photo Evidence
A picture is worth a thousand words. In addition to your document copies and inventories, you should also take photos of the damaged location. These images help the assessor determine the extent of the devastation in a clear and safe manner. This practice is particularly useful with structural or system damage, which is sometimes difficult to describe. Record the date and time when you take the photos and get new images if there are further developments with the affected areas and objects.
Detailed information about the water damage affecting your home is one of the most important assets when filing an insurance claim. Prepare these documents before the home adjuster arrives for an easier and faster settlement.

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