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Should I move forward with the Water Damage Cleanup or wait for my Insurance Adjuster?

Friday, January 10, 2020

What is an Insurance Adjuster?

An insurance adjuster is a professional who is sent out to individuals home or business by the insurance company. These individuals will inspect the property for damage and negotiate with the policyholder or contractor to settle the claim based off an estimate that is written. Throughout the life of the claim, your adjuster is your point of contact for your insurance company. 

So, do I move forward with the water damage cleanup?

After making a claim with your insurance company, you should have a restoration contractor inspect the property for damages. A restoration contractor has the ability to assess the damages and look for trapped or bound water, and most importantly, locate the source of loss.

The restoration contractor and the homeowner should take photos of all the damages; this will provide the adjuster and insurance company with evidence. After the restoration contractor goes over the process and take photos, you should move forward with performing the mitigation process. It can be a few days before the actual adjuster arrives. If you allow the water to sit there is potential for additional damages, including mold growth. 

What happens when the adjuster arrives?

Once the adjuster receives the claim they will contact the homeowner and set up a day to come to your home. Your restoration contractor may or may not be present at this time. While your adjuster is at your home they will inspect and determine the cause/source of the damage. After the inspection the adjuster will go over the scope of work with the restoration contractor and come to an agreed upon pricing for the mitigation.

Discoloration can start forming 72 to 96 hours after a loss, don’t just stand by in a time of chaos and despair take care of it immediately!