Insurance Adjuster Home Visit
For example if there was an occurrence of severe weather that caused mass devastation to residences and commercial buildings an adjuster would visit the location to assess damage collect witness statements and even speak with any government officials or specialists on the scene.
Insurance adjuster home visit. This information gets compiled into a report commonly known as a claim file which will be presented to both the insurance company and the insured when a decision to pay or not to pay is reached. New york november 13 2012 if hurricane sandy damaged your home there are steps you can take now to make the most of the insurance adjuster s visit and get your damaged property repaired or replaced as soon as possible according to the insurance information institute i i i. While you might think that a loss adjuster is only interested in cutting the value of a claim they might in fact find you re claiming too little and ultimately increase the value of a pay out. The claims adjuster will often will use a program like xactimate.
In either case a homeowner s interaction with an adjuster will be very brief and follow ups by the adjuster almost never occur. An adjuster s goal is to evaluate your claim and decide how much money the insurance company is required to pay out. It s important to note that the home insurance adjuster is a paid employee or independent contractor of your insurance company. Knowing that a home insurance adjuster is coming to your property for a meeting and assessment should be something to look forward to as it is the first step in getting your home repaired after an unforeseen disaster.
There are so many stories of insurance adjusters doing all they can to cut a homeowner s recovery down to size it is hard. An insurance adjuster is professionally trained and licensed to assess damage and different types of claims may require the specialized knowledge of various claims adjusters so there could be more than one adjuster assigned to help you. Adjusters and inspectors will generally contact you to schedule an appointment because they will probably want to discuss the damage with you. It will be the claims adjusters role to liaise between you and the insurance company and take care of all the paperwork.
The claims adjuster will be looking for structural damage to your main residence but you may have to call to his or her attention other losses like damage to a shed or car port. From a financial standpoint insurance companies want to pay the the. Your insurance company employs adjusters. The appraisers are trained to assess damage pertaining to a claim and to determine if a property is eligible for coverage.
The adjuster s role can encompass all of the following duties. After you report an insurance claim your company will either send you a proof of loss form which you fill. If the damage to your home is an isolated incident then you can expect a personal visit from the adjuster to look over the damage. Under normal circumstances an insurance adjuster will not show up at your home unexpectedly.
A home insurance adjuster is hired by an insurance provider to assess major home insurance claims for loss or damage such as fire or flooding and to determine the value of loss. Like any good employee the adjuster s goal is to protect the insurance company s bottom line. Here s what a home insurance claims adjuster does. For example if your home was damaged so much that it became uninhabitable any hotel or accommodation costs that you incur would also need to be reimbursed under the policy.
If your area was hit by a major storm and many homes were affected then many adjusters do their work over the phone. Mobley says that home and auto insurance companies usually hire appraisers to conduct inspections on their behalf. Informing the insurance. However if you are like so many other american homeowners the thought of having an insurance adjuster walking around your home only makes you nervous.
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