In a perfect world, a meeting from an insurance adjuster is one that most homeowners would look forward to. But with so many adjusters attempting to reduce what the insurance company has to pay out, it’s understandable if the homeowner feels nervous. While not all adjusters are bad, they have a job to do and it’s often though not always against the best interests of the homeowner.
For those that have never had an adjuster visit, it’s worth having a basic understanding of what will happen. Depending on the severity of damage, the adjuster can spend a few to several hours evaluating the home. The more thorough they are, the better. Should you notice something the adjuster missed after they were done, the insurance company may assume the damage was caused by you.
After completing the assessment, the adjuster will file a report at their office which will be sent over to the parent insurance company, which will evaluate the report for a couple of days before calculating how much it’s going to cost for materials, labor, and repairs. This could take weeks or even months in some cases.
You can potentially move things along quicker by taking a proactive approach. Start making a note of all the damage, including taking pictures. Check in every so often to keep the insurance company on its toes. You may also wish to hire an insurance lawyer to cover yourself in the event the insurance company makes a costly mistake during your claim.
This information is provided by Miami insurance lawyer Alonso & Perez, LLP. Our areas of practice include bankruptcy, insurance litigation, foreclosure defense, immigration law, and more. Call 305-676-7545 to speak with an insurance settlement attorney Miami and receive a free consultation We look forward to working with you.
This information is provided for educational or informational purposes only and should not be construed as legal advice. The information is not provided in the course of an attorney-client relationship and is not intended to substitute for legal advice.