When you notify your insurance company that you will be filing a damage claim, your insurance company will most likely inspect your property damages for themselves. After notification, they will arrange for an inspection of your property to meet and talk with you, inspect your damage and lay the ground work for estimating the amount of the damage. In effect, your insurance company is double checking the cause of loss, evaluating your truthfulness and looking for possible exclusions.
Now is a good time to be very familiar with your insurance policy. Make sure the policy was in effect during the damaging event and remains in place, until no longer needed. Property insurance policies are often difficult to understand using legal terms which may have differing meanings in this context. For laymen, it may be advisable to have a certified public adjuster like Claimspro USA in Central Florida to look over your policy as an expert second pair of eyes to understand the coverages in force before you agree to any settlement offer..
While you have a duty to mitigate the loss, it is a good idea to video tape and photograph the loss before you begin to cleanup. This video record of your loss before cleanup has occurred could be an invaluable piece of evidence in a dispute and will give further evidence to the insurance company of the extent of damage. Make a special note of damage that you see which is not readily apparent, for instance smoke damage on the periphery of a fire loss.
Remember the Insurance company adjustor works for the insurance company not you . When they inspect your property damage, be factual and honest but do not offer more than asked, as whatever you say may be misunderstood. Remember they are not an impartial intermediary but an agent of the insurance carrier
A licensed Public Insurance Adjuster can help you document your damage and will only charge you a predetermined portion of your settlement. Public Adjusters are licensed and regulated by the State of Florida and have the expertise in claim submitting and documentation to help Florida property owners receive the maximum due plus their allegiance is only to you not the insurance carrier.