Does an Adjuster Need To Inspect Damage Prior to Mitigation?

8/22/2022 (Permalink)

If an adjuster cannot see how bad the damage was, he or she may be less likely to settle a flood insurance claim for the full amount.

Is it necessary for an adjuster to inspect damage prior to mitigation?

Homeowners dealing with flood damage may wonder whether they should start mitigation before an adjuster arrives to assess losses. If there has recently been widespread flooding or severe weather in Beaumont, TX, adjusters may have a lengthy backlog. It can be worthwhile to mitigate damage as soon as possible. Here are a few pointers on starting mitigation for homeowners who plan to make a flood insurance claim.

Documentation Before Mitigation

A homeowner must capture the full extent of damage prior to mitigation. There are several useful forms of documentation:

• Photographs
• Video footage
• Professional estimates

This evidence will be necessary to support a flood insurance claim. Even if mitigation is underway when an adjuster arrives, proof of damage enables homeowners to obtain compensation for losses.

Provide Insurers With an Estimate

A professional estimate is also useful for making a claim. A one-stop damage mitigation and restoration company can provide a complete estimate. Insurers are more likely to accept an estimate calculated by a preferred vendor.

Schedule a Visit From an Adjuster

An adjuster will probably need to visit the property to process a claim. Homeowners should provide documentation and explain mitigation measures. Insurers require property owners to do everything in their power to limit primary damage and avoid secondary mold damage. Timely mitigation may make it easier to settle a claim.

It is crucial to document the worst of the damage caused by a flood or storm before taking mitigation measures. If an adjuster cannot see how bad the damage was, he or she may be less likely to settle a flood insurance claim for the full amount. Keep in mind that most standard homeowners policies exclude flood damage, and a separate flood policy is necessary. Relying on a company that provides both mitigation and restoration services will enable homeowners to give insurers a single estimate and expedite the claim process.