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Fire & Water - Cleanup & Restoration

3 Reasons You Shouldn't Wait for an Insurance Adjuster After Your Home Sustains Storm Damage

9/17/2019 (Permalink)

An insurance claim form File a claim by filling out the necessary paperwork

There are Several Reasons You Shouldn't Wait For An Adjuster

After storm damage occurs, making an insurance claim is often a priority for homeowners. Many homeowners in Miami Lakes, FL, aren't sure if they should wait for their flood insurance adjuster to visit their homes before beginning restoration. However, there are several reasons you shouldn't wait for an adjuster to start restoration.

1. Your Home May Sustain Further Damage the Longer You Wait

If you wait for your insurance adjuster to visit your home before beginning cleanup and restoration, more damage is likely to occur to your home. In addition to water damage, mold damage can occur within a matter of days if water remains in your home. Flood damage restoration professionals can often help to mitigate the damage quickly, which can decrease the cost of your insurance claim and can help to reduce the amount of time necessary to complete restoration.

2. You Can Still File a Claim if You Provide Documentation

Though some homeowners may be concerned about the status of their claim before an insurance adjuster visits, there's no need to worry. You don't need to wait for an adjuster to assess your home before you can make an insurance claim. If you have flood insurance, you can file a claim with your insurance provider by filling out the necessary paperwork and including additional documentation.

3. Insurance Adjusters May Not Arrive Quickly

Though your insurance company is likely to send an adjuster as soon as possible after your home sustains damage, that doesn't necessarily mean that your insurance adjuster will visit quickly. When many houses in your area are affected by flooding, your insurance adjuster will have to asses many homes, which can be time-consuming. As a result, you may have to wait an extended period of time if you begin cleanup and restoration after your insurance adjuster assesses your home.

As a homeowner with flood insurance, it's wise to know when you can begin cleaning and restoring your home. You often don't need to wait for an insurance adjuster, as your home could sustain further damage, you can file an insurance claim if you provide documentation and your insurance adjuster may not visit your home immediately.

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