How Property Damage Claim Inspections Work

What’s In This Articles

• Introduction
• Start By Preparing
• Save Receipts, It’s Important
• Take Lots Of Photos
• Should You Get a Public Adjuster
• How AllCity Adjusting Can Help

Unfortunately, a severe windstorm damaged your home’s roof. Or a hurricane blew a tree against your house. Or a pipe burst in an upstairs bathroom while you were out for the day. Consequently, you’ve filed a claim with your homeowners’ insurance company. The claim process has begun. Now an insurance adjuster is coming to your home. The question in your mind: how do property damage claim inspections work?

What Should You Do to Prepare for a Property Damage Claim Inspection?

There are several steps you can take after you file an insurance claim before a claims adjuster comes to inspect your house and the damaged items in the house. First, take pictures of the damaged areas of your house. You should take many pictures. Pictures from different angles and varying distances.

Next, take pictures of damaged furniture, walls, ceilings, etc.

If you had standing water in your home, you’re going to want to get it out as soon as possible. But take pictures of the standing water before you or a restoration company remove it. Pictures of water damage to walls, furniture and carpeting will be part of your claim file at the home insurance company.

And those pictures will help you make a believable claim and hopefully get you a bigger claim settlement.

If a tree fell against your house and punched a hole in your roof or broke windows, you have to make temporary repairs. Your homeowners’ policy requires you to take steps to prevent additional damage to your home once a loss occurs.

If you don’t put a tarp over the hole in your roof, or board up the broken windows, a later storm could dump rainwater in your home, causing additional water damage. The company adjuster would note that. If you tried to make a property damage claim for those later damages, the company would probably deny the claim.

Don’t Forget to Save Receipts and Estimates for Property Damage Claim Inspections

If you got estimates for repairs from contractors, give copies to the company adjuster. Similarly, give him the receipts for any temporary repairs you made. Your policy should cover them.

Lastly, if you had to move out temporarily while repairs are being made, save receipts for meals, hotels, mileage, etc. Your policy covers additional living expenses (ALE). Consequently, you may get reimbursed for those expenses.

If You Need a Public Adjuster for a Property Damage Claim, Call AllCity Adjusting

We are a family-owned claims company with five decades of combined adjusting experience. As a result, if there’s one thing we understand, it’s that you need 100% of your claim value.

Insurance companies undervalue your claim 8 out of 10 times. Moreover, they hire expensive adjusters to ensure they maintain a strong profit margin. Additionally, they have experienced actuaries that create insurance agency guidelines that help their team of agents challenge your insurance claim’s validity.

You have already gone through a tumultuous event. For this reason, get an agency that gets you more.

At AllCity Adjusting we work to ensure you get 100% of your water claim value. Equally important, with over 50 years of combined adjusting experience, we know insurance companies and understand where they cut corners. Moreover, we help you build a larger claim, maximize your claim value, and get you back to normal fast. Don’t get fooled, get the company that gets you more.

We’ll Be There for the Property Damage Claims Inspection

If an insurance company adjuster is coming to your home to do an inspection, call AllCity Adjusters so we can be there too. We’ll walk through your house with the company adjuster to make sure he sees all your damaged property. If there is structural damage to joists or beams, we’ll make sure he sees it. If your beautiful kitchen granite countertop was damaged, we’ll make sure he sees it.

We’ll read your homeowners’ policy to see if you are entitled to get new appliances at their replacement cost, rather than actual cash value (that’s what you’ll want). If there is roof damage, we’ll make sure the insurance company compensates you for the full cost of repairing the roof.

Lastly, if you have received a low-ball offer from the homeowners’ or renters’ insurance company, or they are taking too long to process your claim or you just want to talk to someone on your side, call us at 844.692.3587. Or you can email us at info@allcityadhjusting.com.