Need to schedule an Insurance Adjuster's Visit? Here are some best practices to follow.

6/3/2022 (Permalink)

3 plus feet of water in a basement with floating appliances.

When a flood causes significant damage to your home in New Jersey, your insurance company's home adjuster will schedule a site inspection to gather the information necessary to process your claim. It is best to be prepared for these visits, but do you know what exactly they will need? Below is a guide to help.

Create a List of Losses

Before you begin the cleanup process, go through your belongings and make a complete list of irreparable or severely damaged items, including but not limited to:

• Clothing
• Electronics
• Furniture
• Carpets
• Window Coverings
• Photos
• Any Additional Valuables

If you have photos available, provide of as many items as possible to your list. This will substantiate your losses. You can also provide written descriptions if you are unable to take pictures because of your belongings' destruction.

Inspect Your Home Carefully

Check your home for damage to its foundation, garage, swimming pool or any of its structural parts and prepare to discuss any concerns with the home adjuster. Notating any pre-existing defects or sudden damage preceding a flood can help define the scope of your claim.

Research Contractors

It is recommended to acquire quotes from at least three licensed contractors to clean your home or restore your belongings. Ask these vendors to provide details describing their materials, remedy methods and a working timeline your insurance provider can review before confirming coverage. Please note, a reliable disaster recovery service will not start working before receiving clearance from your insurance company.

Gather Documents and Receipts

Sorting relevant paperwork and assembling it into a single file can help prevent unnecessary delays settling your claim. In addition to an itemized list of your belonging with photos and contractor quotes, include item purchase and moving expense receipts, written art appraisals or any documents that support your claim if available. This will aid in providing answers to potential questions. Be sure to include all of your contact information on the paperwork to ensure you are able to be reached for updates.

If your home near Blackwood, New Jersey ever experiences a flood, the team at SERVPRO of Blackwood/Gloucester Township can work with your insurance company's home adjuster to facilitate your insurance claim.