Written by Andy Gurczak

April 8, 2022

How Property Damage Claim Inspections Work

Unfortunately, a severe windstorm damaged your home’s roof. Or a hurricane blew a tree against your house. Or a pipe burst in an upstairs bathroom while you were out for the day. Consequently, you’ve filed a claim with your homeowners’ insurance company. The claim process has begun. Now an insurance adjuster is coming to your home. The question in your mind: how do property damage claim inspections work?

What Should You Do to Prepare for a Property Damage Claim Inspection?

There are several steps you can take after you file an insurance claim before a claims adjuster comes to inspect your house and the damaged items in the house. First, take pictures of the damaged areas of your house. You should take many pictures. Pictures from different angles and varying distances.

Next, take pictures of damaged furniture, walls, ceilings, etc.

If you had standing water in your home, you’re going to want to get it out as soon as possible. But take pictures of the standing water before you or a restoration company remove it. Pictures of water damage to walls, furniture and carpeting will be part of your claim file at the home insurance company.

And those pictures will help you make a believable claim and hopefully get you a bigger claim settlement.

If a tree fell against your house and punched a hole in your roof or broke windows, you have to make temporary repairs. Your homeowners’ policy requires you to take steps to prevent additional damage to your home once a loss occurs.

If you don’t put a tarp over the hole in your roof, or board up the broken windows, a later storm could dump rainwater in your home, causing additional water damage. The company adjuster would note that. If you tried to make a property damage claim for those later damages, the company would probably deny the claim.

Don’t Forget to Save Receipts and Estimates for Property Damage Claim Inspections

If you got estimates for repairs from contractors, give copies to the company adjuster. Similarly, give him the receipts for any temporary repairs you made. Your policy should cover them.

Lastly, if you had to move out temporarily while repairs are being made, save receipts for meals, hotels, mileage, etc. Your policy covers additional living expenses (ALE). Consequently, you may get reimbursed for those expenses.

If You Need a Public Adjuster for a Property Damage Claim, Call AllCity Adjusting

We are a family-owned claims company with five decades of combined adjusting experience. As a result, if there’s one thing we understand, it’s that you need 100% of your claim value.

Insurance companies undervalue your claim 8 out of 10 times. Moreover, they hire expensive adjusters to ensure they maintain a strong profit margin. Additionally, they have experienced actuaries that create insurance agency guidelines that help their team of agents challenge your insurance claim’s validity.

You have already gone through a tumultuous event. For this reason, get an agency that gets you more.

At AllCity Adjusting we work to ensure you get 100% of your water claim value. Equally important, with over 50 years of combined adjusting experience, we know insurance companies and understand where they cut corners. Moreover, we help you build a larger claim, maximize your claim value, and get you back to normal fast. Don’t get fooled, get the company that gets you more.

We’ll Be There for the Property Damage Claims Inspection

If an insurance company adjuster is coming to your home to do an inspection, call AllCity Adjusters so we can be there too. We’ll walk through your house with the company adjuster to make sure he sees all your damaged property. If there is structural damage to joists or beams, we’ll make sure he sees it. If your beautiful kitchen granite countertop was damaged, we’ll make sure he sees it.

We’ll read your homeowners’ policy to see if you are entitled to get new appliances at their replacement cost, rather than actual cash value (that’s what you’ll want). If there is roof damage, we’ll make sure the insurance company compensates you for the full cost of repairing the roof.

Lastly, if you have received a low-ball offer from the homeowners’ or renters’ insurance company, or they are taking too long to process your claim or you just want to talk to someone on your side, call us at 844.692.3587. Or you can email us at info@allcityadhjusting.com.

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Best way to beat the insurance company is to hire AllCity Adjusting

At AllCity Adjusting we help residential and commercial clients alike get the claims support they need. Moreover, we have over 50 years of combined experience helping get our clients the max settlement time and time again. If your claim has been low balled or denied entirely we can help increase your maximum settlement. Call us today for a FREE consultation. Experience the AllCity difference.
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Should You Make Your Own Insurance Claim Repairs?

Let’s say you had a small fire in your home. Faulty electrical wiring caused the fire. Of course, someone will have to tear down parts of the wall where the fire started. Then someone will have to hang new sheetrock and paint it. You’re pretty handy around the house. You’re thinking, should you make your own insurance claim repairs? Is there any way to get your insurance claim check faster?

What Are Some Common Business Insurance Claims?

Certainly, almost all businesses, from large corporations to mom-and-pop stores, will probably face some type of accident or incident that will become an insurance claim. Below we will discuss some common business insurance claims that businesses across the country must confront.Is there any way to get your insurance claim check faster?

How Does Home Repair Insurance Work?

How Does Home Repair Insurance Work?

Homeowners’ insurance will cover damage from unexpected and sudden perils, like hurricanes, fires, and hail. However, it excludes insurance coverages if the damage stems from everyday use and wear and tear to appliances, HVAC systems, etc. Therefore, if you feel you need insurance coverage for those items, you need to know the answer to the question: how does home repair insurance work?

How to File a Roofing Insurance Claim

How to File a Roofing Insurance Claim

Your roof is the primary protection for your home from the elements. Of course, the wind is probably the most dangerous element to your roof. However, roofs also get damaged by falling trees, electrical poles and wires, hail, and heavy snow. If a storm or some other unexpected event damages your roof, you will have to know how to file a roofing insurance claim.

How to Get Flood Insurance

How to Get Flood Insurance

Homeowners’ insurance protects homes from damages caused by fire, hurricanes, windstorms, and other natural disasters. However, standard homeowners’ insurance does not cover damages caused by floods. Consequently, homeowners and renters who live in a high-risk zone for flooding need to know how to get flood insurance.

commercial mold cleanup and restoration

commercial mold cleanup and restoration

If you have found mold in your business, you should be concerned. For instance, properly removing mold can be expensive and difficult to do correctly. Mold in your business can be dangerous for your health, and that of your employees, customers and visitors. However, commercial mold cleanup and restoration is necessary if you want to keep operating your business.

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