If your house has water damage, it’s important to act fast, not just to protect your home but also to make sure your water damage insurance claim goes as smoothly as possible. Here are 10 tips for dealing with an insurance adjuster after water damage.
- Deal with the immediate situation. Don’t panic! Shut off the water to the house, close the windows, put a bucket under the drip, or whatever else you need to do to prevent further damage.
- Report the damage to your insurance company. Once you have the immediate situation under control, you should notify your insurance company of the situation.
- Know what not to say. This is important! Don’t make any estimates of the damage or the cost of anything, lest the insurance company holds it against you later on. If you don’t know, just say you don’t know.
- Put everything in writing. A paper trail is the best way to protect yourself, so make sure you follow up any phone calls with an email or letter reiterating the gist of the conversation.
- Take steps to protect your home from further damage. Insurance companies are known for refusing to cover any additional damage, even if it’s caused by them dragging their feet, so make whatever temporary repairs are necessary to protect your home. Keep records of all expenses so you can ask for them to be reimbursed.
- Take photos and video. Be sure to record the damage with pictures and video. Cell phones are great for this because they record the date of the photograph or video.
- Look for “before” photos. To reduce the chances of the insurance company being able to claim prior damage, look for recent photos that show what the damage looked like before, even if it’s only in the background.
- Put damaged items in plastic. Don’t throw anything away, no matter how severely it’s damaged! Instead, seal damaged items in plastic and store them until the case is settled.
- Read your insurance policy. Once you have called everyone you need to call, recorded everything you need to log, and cleaned up everything you need to clean up, it’s time to sit down and familiarize yourself with your policy. Do this before you meet with the insurance claims adjuster.
- Consider hiring your own adjuster. Homeowners who have their own adjuster to represent them get more money to settle their claim. Anyone with an insurance adjuster license in Florida can help you, and it’s helpful to have someone on your side!
If you’re interested in finding the best Florida insurance adjusters, look no further than Rapid Public Adjusters. We have a Florida insurance adjuster license and can handle your insurance claim from beginning to end!