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If you ever suffer damage from a flood and have flood insurance, you can have peace of mind knowing that your insurance company should approve the claim. The amount you receive for the claim will depend on the extent of the damage and loss you experience, and this is what a flood damage claims adjuster is for.
Who hires the adjuster?
A flood damage claims adjuster is a person who is typically hired by the insurance company that is handling the claim. Big insurance companies may have many adjusters they use for claims, while smaller companies might have just a couple. As a policyholder, you can also hire an independent adjuster to help. Hiring a private adjuster often helps a homeowner fight for more compensation, but this is not a necessity.
What steps does the adjuster take?
When an adjuster takes on a claim, he or she will perform several different steps. Step one is visiting the site of the home to assess the damage. During this time, the adjuster will take a look around and will take photos of the property. The adjuster will take notes as he or she completes the assessment and will then have a lot of work to do.
One thing the adjuster must do is determine the cost of the repairs needed for the home. If the damage is serious enough, the adjuster might determine that it is a total loss. If this occurs, it means that you would need to knock the house down and rebuild it. If the damage is not this severe, the adjuster will determine how much it will cost to repair the house to the condition it was in prior to the flood.
What is your role in this process?
You have a role in this process too, and the main role you have is to make sure you receive compensation for all your losses. You might have to write a list of everything you lost from the flood to submit to the adjuster. You might also have to decide on the contractor to use for the repairs, and you may have other decisions to make and steps to complete as well.
Going through a home flooding is a devastating experience, but it is a lot easier and less stressful when you have flood insurance. To learn more about flood insurance and the role of a flood damage claims adjuster, contact an insurance agency today.Share
25 February 2020