LOWBALL INSURANCE ESTIMATES
There are several things that might cause your adjuster’s estimate to be less than whats needed for the repairs to be completed; here are the most...
YOUR ROLE IN THE CLAIMS PROCESS
Receiving a fair settlement will require you to actively participate in the complicated claims process. We are here to help make it much easier.
Tugboat Team
Dec 15, 2023
After experiencing damage to your property, it can feel overwhelming to navigate the claims process, especially when you’re already dealing with stress and uncertainty. But taking an active role is key to ensuring you receive a fair settlement. While it might seem daunting, understanding the process and knowing what to look out for can make all the difference. Here’s how you can stay on top of your claim and make sure everything is handled properly.
Prevent Further Damage
When dealing with water damage, the difference between minor to severe damage is often in how quickly the area can be dried out. Every circumstance is different but work quickly to stop or contain the source of water or call a professional if needed. Once the source of water has been stopped, if it is safe for you to do so, use the methods at your disposal such as wet-dry vacs, fans, dehumidifiers, towels or carpet cleaners to begin drying the area.
If at all possible, take photos of damaged items or materials in their damaged state before repairs begin on your home. In instances of severe damage, it is often helpful to also gather photos, receipts and other documentation to create a picture of what everything was like before the damage occurred.
Notify Your Insurance Provider
If you haven't already, notify your insurance carrier that damage has occurred at your property If your insurance claim office has the option to file a claim via email you can use the provided Loss Report when you file your claim. Depending on the specific details of your loss your insurance company may direct you to call a mitigation contractor or dispatch one for you. These service providers typically specialize in water extraction and prevention of further damage.
Ask questions!
If you are confused, upset, or just want to confirm something, then ask about it. Don’t be afraid to send an email with a list of questions for your adjuster, especially if you feel their estimate is not sufficient. Insist on satisfactory answers (and make sure you reiterate any verbal agreements in email following phone conversations). Your adjuster may not be a strong communicator, but by being so yourself it will undoubtedly help you receive a better settlement.