the-key-to-determining-home-damage

Insurance adjusters have a difficult and intensive task when it comes to determining the true damage to your property. No matter the issue, whether it is flood, fire, or storm damage, the adjuster must look beyond what is visible to the naked eye to determine the actual damage done to the property. The adjuster must also determine if the property is uninhabitable while being repaired, and the associated costs to make the insured as close to whole as possible. Obviously, the loss of valuable memories, such as photos and family heirlooms, are out of the realm of the adjuster’s ability to replace. However, these types of valuables can help determine the final settlement if they were part of the claimed property. In light of these challenges, an adjuster has an important job when it comes to helping an insured party begin his or her life again.

The Inspection

Whether your insurance adjuster works for your insurance company or an independent third party, his job goes well beyond an interview to determine the damage to your home and property. Your adjuster must conduct a home inspection, as if you were purchasing a house for the first time; however, this inspection is much more in-depth. Should your adjuster enter your home and look only with his eyes and maybe conduct a surface inspection, he is doing a disservice to you and your insurance provider. Therefore, the adjuster must truly inspect your home and conduct a thorough investigation. This includes lifting floor boards and carpets, measuring the amount of moisture if you were the victim of water damage, checking for smoke damage in the event of a fire, and much more. Furthermore, the adjuster must determine if mold is or will be an issue and factor in the price of preventing mold from occurring if water damage has occurred. All of this must be done in a timely manner, as many states have time guidelines for inspections, especially in the event of water damage.

The Assessment

Once a thorough inspection is completed, the adjuster must complete an assessment of the damage he observed. He must allow time to obtain estimates from approved providers and assess the damage to personal property within the home, which includes calculating replacement costs. A public adjuster often looks out for the best interest of the insured, as opposed to the insurance provider, working diligently to make the insured as close to whole as possible. This entire process may take a few weeks, as bids from contractors must be approved.  The adjuster must also determine if the insured requires living expenses for the duration of the home repairs.  Finally, the adjuster must determine if it is more cost effective to repair or to rebuild the damaged property. Each piece of this puzzle must be carefully assessed and determined to provide a fair settlement to the insured and begin the tedious process of rebuilding the insured’s life.

In the end, an adjuster determines damage through a series of investigations, interviews, and assessments which, when combined, help determine the total loss for the insured. The insured then begins receiving payments, which may take a series of weeks and must be thorough in both investigation and explanation.

To ensure you are properly protected when dealing with your insurance company after damage to your home, contact the experienced public adjuster team at People’s Insurance Claim Center at (305) 956-3666. With over thirty years’ experience, People’s Insurance Claim Center is well respected in the insurance industry, and they are willing and able to help.

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