Having an idea that a home insurance adjuster would be visiting your property either for an assessment or for a meeting should be a great thing to look forward to because it is basically the first step toward ensuring that your home gets repaired after an unforeseen disaster. Just like every other home owner, the thoughts of an insurance adjuster visiting your home can make you very nervous because there are stories of how home insurance adjusters can cut down the recovery size of most homeowners. What happens after home insurance adjuster comes out?
It is very difficult for any homeowner to not feel anxious when a home insurance adjuster wants to visit their home because the question you have on your mind is will the home insurance adjuster be on your side? However, the answer to this question is actually NO so you should not get swayed by wide smiles and advertisements because the aim of an insurance adjuster is to make sure homeowners are provided with little without trying to break the contract between the homeowner and the insurance company.
This is very true regardless of the type of claim that you have filed for whether it is a claim for business, personal injury claim or a car accident claim. This doesn’t really mean that insurance adjusters are bad or rude or inconsiderate but the key fact that you should never forget is that their best interests lies with the insurance company and not with you. This is similar to police offers when they want to make an arrest as well.
What Happens After Home Insurance Adjuster Comes Out
If you want to wipe away any stress that comes with the fact that a home insurance adjuster is visiting your home then knowing what they would want to do when they get there is the next thing for you to figure out. Most people actually think they would just show up, shake hands with every homeowner and provide them with a coverage estimate. This actually sounds nice but it doesn’t actually go that way most times. Depending on badly damaged your home is, your home inspection might take up to an hour.
In cases of water damage caused by a burst pipe, assessment might even take longer unlike in the case of a more catastrophic damage like fire outbreak. You would also want the home insurance adjuster to be very thorough with his investigations because if you end up finding something that the insurance adjuster didn’t see then it is possible for the insurance company to write off any new findings that you make after the insurance adjuster has left. They might label it to be something that you caused and not their responsibility anymore.
Filing a report to give back to his insurance company is what the home insurance adjuster would do when he is done with assessing your home and after several days, the insurance company would take up the report so it can be double checked. Calculating the cost of labor and repairs of damages in your home is also done by your insurance company and due to the usual hurdles that comes with this process, it might take a good insurance company months or weeks to complete a job.
There are quite some things that you can do on your own part that would help in speeding up this entire process. You shouldn’t just leave it to the laps of the home insurance adjuster because there are things that you can also do to make the whole process easy. These things includes;
- Preparing ahead of time which includes taking photographs making a catalogue of expensive items that got damaged as they would make it easy for the insurance adjuster to find out what settlement offer would benefit you
- Do not sit and wait but make it a point of duty to constantly reach out to the insurance adjuster and the insurance company so they can have an idea that you are waiting and this could result in you quickening their steps and pace.
- Consult a lawyer because bad faith insurance practice is common in these cases. It is possible for them to also make a mistake that might be costly to you so ensure that an attorney is overseeing your home claims process.
If you are anticipating a visit by a home insurance adjuster then you should meet with a lawyer today as he would help you get prepared so you don’t have to be anxious when the home insurance adjuster finally knocks on your door for inspection.