What You Should Do if an Insurance Adjuster Comes to Visit

If your property has been damaged due to a storm, fire, vandalism, or other factors, you will need to file a claim with your insurance company. Depending on a number of factors, including the severity of the damage, the insurance company may decide to send out an insurance adjuster to investigate your claim. This is a standard process, but it is important to know what to expect and what you should do to prepare for the adjuster, as well as how to respond when they arrive.

Have a List of Damaged/Destroyed Items (with proof, if possible)

As soon as it is safe, start making a list of everything you own that was damaged or destroyed. Some things, such as physical damage to your home, may be obvious. Other things, such as jewelry, valuable collections, and more, need to be directly reported to the insurance company. When the adjuster arrives, they will provide you with proof of loss forms, which you can fill out. Having the list of items prepared ahead of time, however, will help ensure you don’t forget anything and you are compensated for everything that was lost.

Have Photographs of the Damage

Be prepared with any photographs you were able to take from the damage. This is especially important if the adjuster won’t be out to your home for days, or even weeks, after the damage took place. The more pictures you have available to provide the adjuster, the better, since they will serve as proof of what needs to be covered.

Leave Things As They Are

Don’t try to start the cleanup process before the adjuster is able to go through things. If there are items that must be dealt with immediately (like standing water) make sure to let the insurance company know what you are doing, and take pictures of the before and after of everything you do. Let the adjuster know what has been done since the damage took place so they can make a note of it in their report.

Don’t Agree to Anything

One of the most important things to keep in mind is that you do not need to agree to anything at this point. The adjuster will let the insurance company know what they find, and the insurance company will make an offer on how much they can pay out to settle the claim. This can take place quite quickly after the adjuster makes their report, so make sure you are prepared. The offer from the insurance company can be negotiated, or if necessary, fought through the courts. Insurance companies often try to minimize the amount they pay out, so never sign anything without speaking to an experienced first party property damage insurance attorney first.

Get Legal Representation

For larger insurance claims, it makes sense to always have a qualified Florida insurance attorney there to represent your interests. Insurance law is very complex, and without proper experience, it is almost impossible to protect your rights. Contact Barnard Law Offices to have us review the auditor’s reports and go over the settlement offer to ensure you are being treated justly.

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Barnard Law Offices

The Barnard Law Offices, L.P. has been protecting the rights of Floridians for four generations. Together our attorneys bring years of insurance claim advocacy and trial experience to the table. We don’t believe in half-hearted measures when it comes to proving your claim: after inspecting the damage to your property, our office will engage or connect you with high-quality third-party professionals to assist you with your claim and assess your property damage. Our talented team is dedicated to serving each client’s needs with a passion and commitment that makes us stand out among our peers.

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