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Homeowners: Things to Tell a Public Insurance Claims Adjuster

Hiring a public claims adjuster makes filing an insurance claim much easier. You can make it even easier by understanding what information to have ready when they arrive. Public adjusters are quite familiar with the claim-filing process and are able to navigate it with ease—and there are some details you can share that will streamline the process even more. Here’s what to tell a public adjuster when or soon after you hire them to handle an insurance claim.

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Actions You Took to Mitigate Losses

When disaster strikes, your first concern should always be the personal safety of yourself and those around you. After the immediate threat is over, however, you have certain responsibilities as a policyholder. Policyholders are generally expected to take reasonable measures that will help mitigate or prevent any further damage or loss. Your public adjuster will want to know what steps you took to minimize losses after the incident you suffered was over. They’ll likely need to relay this information to your insurer, and having a detailed account of the actions you took may help the adjuster negotiate a better settlement.

Items That Were Were Lost or Damaged

If you’re filing a claim for lost or damaged property, your adjuster will need to know precisely what was lost or damaged. They’ll want to create the most comprehensive list possible, for your insurer will want each item detailed.

During the claim-filing process, your adjuster will probably review your losses with you. They’ll likely already have an idea of what was damaged or lost, for similar incidents often result in similar losses. They might even mention a few items that you didn’t think of. Nevertheless, it can help to list what was lost or damaged on your own. Reviewing the items yourself before your adjuster goes through this step with you will help, as your specific knowledge and their general knowledge of the losses will ensure everything is thought of. Additionally, taking stock of damaged areas of the home can help you down the line with disclosures if it ever comes time to sell your place.

Expenses You Incurred Because of the Incident

In some cases, policyholders are entitled to reimbursements for expenses they incur following a covered incident. For example, a homeowner whose house is destroyed might be reimbursed for meal and lodging costs.

Whether your claim entitles you to any reimbursements will depend on the nature of your claim and the coverages included in your insurance policy. Rather than waiting to find out whether you’re able to get reimbursed, however, you should begin keeping track of all your expenses immediately after an incident occurs. Tell your public adjuster what you paid for, and they can help you determine whether any are eligible for reimbursement.

Any Deadlines You’re Aware Of

Most insurance policies include strict deadlines regarding when claims must be filed, and failing to meet these deadlines may jeopardize the validity of a claim. Your public adjuster will review your insurance policy to see how long you have to file a claim. It’s still a good idea to tell your adjuster about any deadlines you’re aware of, though—especially if they’re coming up soon and you have just contacted your adjuster about your situation. This can help them estimate a timeline for filing your claim.

Hiring a public adjuster makes filing an insurance claim much easier than it is to do on your own. They’ll need information from you at times to make sure they catch everything, though. Make sure to tell them about your actions, lost items, expenses and deadlines, and you’ll make the filing process go more smoothly and faster.