How to Help Your Adjuster Prepare Your Insurance Claim
Contacting the Insurance Company
If you have an insurance policy, and have called your insurer, you will receive a call from an adjuster assigned by the insurance company. This individual may either be a company adjuster, or an independent adjuster hired for that claim.
Be prepared to show your adjuster all the details of the loss.
Your preparation will go a long way towards assisting your adjuster --
with your help, your adjuster will efficiently and accurately document the loss to your insurer.
Remember that your professional adjuster may notice more damage than you initially identify.
Other Guidance
We provide services related to losses, whether or not insured. Some initial guidance may be found for
property claims,
business claims, and
contents claims.
For assistance after a loss to your business, home or other property
Contact
John Ruskin
at the address or phone number, below.
Obligation to Cooperate
Insurance policies typically require that you cooperate with the insurer and the assigned adjuster. This means that you must answer questions and make the damaged property available for inspection. The insurance company may require you to sign an affidavit of loss, and may even require you to answer questions under oath (though this is rare).
Helping your Adjuster
Aside from cooperation, these and other steps will help the processing of your claim:
- Take steps to mitigate -- protect the property from further damage.
- Let your agent know you have a claim
- Segregate damaged from undamaged property
- Take photographs of the damage immediately using a digital camera
- Write down questions you have, and the instructions you receive from the adjuster and other insurance company representatives
- Review the adjuster's estimate carefully, and discuss it with your adjuster. Let your adjuster know as soon as possible if you later discover missing items, or additional damages.
If you have contents damage, these hints might help you document the claim:
- Talk with your adjuster about the contents claim
- Take digital photographs of your damaged contents, with overall shots of the rooms and at least one picture of each thing damaged.
- Make a list of the damaged contents.
Look here for more details on filing a contents claim.
For more information on how to prepare for an insurance claim, or assistance in the adjustment of insurance claims, please contact
John Ruskin
at the address or phone number, below.
