Whether or not you end up hiring a Public Adjuster, there are some best practices you can follow to help make the insurance claims process move as smoothly as possible.
Immediately after you notice the damage, you should:
- Keep track of all communication between you and your insurance company. This means keeping notes on when you filed the claim, when you called the company, and what you spoke about. Keeping a file of all e-mail communication and paperwork is also recommended.
- Keep photographic evidence. Take photos of all the damage you are claiming repairs for or replacement. Take pictures as soon as possible after the incident and, in cases where the claims process takes a long time, take photos of the damage as it progresses.
- Save receipts. If you need to take steps to ensure that there is no further damage to your property, keep the receipts for those temporary repairs. If the damage is so extensive that you need to relocate, keep those receipts as well.
- Inventory damaged or destroyed items. Before the insurance adjuster visits, keep track of all items that were damaged or destroyed in the disaster. Do not throw anything away before the insurance adjuster visits.
- Identify structural damage. Make a list of all the damage to your home and other structures (like cracked walls, tool shed, or your swimming pool) and everything you want to show the insurance adjuster. Keep copies of this list.
- Collect bids from contractors. Ask contractors to inspect the damage and gather bids, including details of the materials to be used and line-by-line prices. This will make adjusting the claim easier and faster.
The insurance company has their own adjuster. His job is to minimize costs for the insurance company, not help you. This is why it is important that you hire your own certified Public Adjuster. Here at Garcia Adjustment Corp, we work to maximize the money you receive from your insurance company. Our number one priority is YOU and YOUR satisfaction.