You will want to make the most out of meeting with the insurance adjuster so that you can maximize the value of your claim.
Before you meet with the adjuster, you will need to do the following:
- Photograph every room and every damaged item BEFORE you remove it from the property. If you have 2 TVs, you need to have photos of the two damaged TVs.
- Photograph the property in detail before you muck it out.
- If you can get the insurance adjuster out before you muck out your property, that is ideal. However, after a flood such as Harvey, that probably won’t happen. If it does, they will be able to see the damage first hand and document it for themselves.
- List everything you’ve lost. If any receipts survived the flood, or if you stored them digitally, compile those for the adjuster.
- Get estimates for repairing the damage to your property and for replacing your destroyed items. You want multiple estimates to make sure you’re getting a fair price.
Meeting with the adjuster and beyond:
- Show the adjuster all the damage. If you have photos on your phone, email them to the adjuster or get hard copies printed out and mail them to the adjuster.
- Verify the adjuster’s identity. There are fake adjusters out there who do take advantage of flood victims. Call the insurance company and verify their identity.
- Document all communication with the insurance company and the adjuster. Take notes of phone conversations and save emails and letters.
- Don’t cash any check without reading it first. By cashing a check, you could be forfeiting your right to be compensated further. If you have any questions about cashing a check, contact an attorney.
- If you believe you’re being low-balled or the insurance company is delaying paying you, contact an attorney.
Our Houston-based attorneys specialize in taking on the insurance companies. We know what you’re going through and want to help you recover and rebuild as quickly as possible. We work on a contingency basis, so any phone conversation or in-person meeting with us is 100% free and 100% confidential. Call us now at 877-724-7800.