Whether you are the policyholder, or a contractor bidding on work for an insurance claim, you are likely working firsthand with an insurance adjuster. When loss or damages are reported on the property covered by the policy, the insurance company will assign an insurance adjuster to act on the claim. However, as a policyholder, you have the option to hire your own public insurance claims adjuster in central Florida to advocate for you. These are a few tips to handle working with an insurance adjuster during the process of settling your claim.
This is a no brainer. You don't make blind quotes, walk the property with the adjuster to see the damage firsthand. This will provide you with a more accurate idea of the estimate and extensive nature of the damages. When you are working through a claim, you will want to stay as educated and informed as possible.
You must ensure that the overall repairs you make a quote for are covered by the policy. If you find that the damage leads you down a path that requires work that abides by new code standards, then it is possibly not covered by the policy. Many homeowners may not have full understanding of their policy, so do not be afraid to ask questions to your adjuster for clarification.
Remember, though the insurance company is paying the tab, the customer is expecting full repairs. If you feel the insurance adjuster has missed potential damages and repairs that the policy covers, then you need to point them out. Working with an insurance adjuster is meant to help your situation, not hurt it. This means that you also need to advocate when you see any discrepancies.
Sometimes, insurance adjuster will ask for justification of quoted repair costs when they are working with a contractor. It is important to keep as much information about your home as possible to provide them with specific details. As a policyholder, it is helpful to provide your adjusters with as much evidence, documentation, and photographs as you can so that you can get the right estimate on your property.
When you are working with an insurance adjuster, you should ask them for any referrals on reputable contractors for the job. By doing this, you can save yourself time on research and get someone that is trusted in the community. These professionals will be able to help you find the right person for the job, as they have likely worked with many contractors to fix these types of issues in the past.
These are a few tips to help you when you work with an insurance adjuster. If you are looking for your own advocates during the insurance claims process, contact our public insurance claims adjuster in central Florida to hear how we can help you today.