Homeowner Property Damage Claims And Insurance Adjusters: Five Questions They Will Ask
If you suffer property damages file a homeowner property damage claim in Daytona Beach, expect an insurance adjuster soon after. They work for the insurance company, investigating claims and protecting the insurer’s best interests. In your dealings with them, know that what you say or do could impact your rights in any settlements. Find out more about dealing with insurance adjusters and the questions they are most likely to ask.
Meeting With Homeowner’s Property Damage Claim Adjusters
Homeowner property damages in Daytona Beach can happen due to storms and other adverse weather conditions or as a result of unexpected situations, such as sinkholes, fires, vandalism, and theft. Property damage insurance you are required to carry by your mortgage lender can help to offset the losses you suffer.
When purchasing a policy and prior to filing a claim, it is helpful to review the Homeowner’s Insurance Toolkit provided by the Florida Chief Financial Officer (CFO). It touches on many factors involved in filing a property damage claim, including dealing with insurance adjusters. An insurance adjuster’s job is to:
- Visit your property;
- Assess the situation and the amount of property damages you suffer;
- Make recommendations to the insurance on whether to approve your claim and estimate the amount of losses you suffered, which will influence any settlements you receive.
Insurance adjusters may work directly for the insurance company or may be hired on a case-by-case basis. In either situation, it is important to realize they protect the insurance company’s best interests and to prepare yourself for their visit.
Questions Homeowner Property Damage Insurance Adjusters Ask
Bankrate advises that understanding how homeowner property damage insurance adjusters work can help both in resolving your claim in the fastest manner possible and obtaining the amount you are entitled to in a settlement. Know what types of information and evidence they will need as well as the types of questions they will ask. Among the most common include:
- How did your property damages happen? Provide basic facts without elaborating on underlying causes.
- What property suffered damage? Walk with the adjuster during their visit, pointing out damaged items and areas. Have an inventory to refer to and gather evidence in advance, such as photos and videos of the areas.
- What is the value of the damaged property? Be prepared to estimate value, based on what you paid, the amount of time you had the item, and current replacement costs.
- Have you made any repairs/replacements? Detail any actions you may have taken in dealing with the damaged property, regardless of how small or insignificant they may seem.
Reach Out To Our Daytona Beach Property Damage Claims Attorneys
The job of an insurance adjuster is to protect the insurance company’s best interests. At Bundza & Rodriguez, our job is to protect yours. For trusted legal guidance in filing property damages claims and dealing with denials or delays, reach out and call or contact our Daytona Beach property damage claims attorneys online to request a consultation today.