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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Salvageable v. Non-Salvageable Property After a Fire

Salvageable v. Non-Salvageable Property After a Fire

If a fire has occurred at your home, your first concern, of course, is the safety of yourself and your family. However, depending on the extent of the fire damage, you will have to resolve the issue of salvageable v. non-salvageable property after a fire. Homeowners’ insurance protects your home itself (Dwelling Coverage) and its contents (Personal Property Coverage). High heat, smoke, and soot can cause extensive damage to your personal property, such as clothes, furniture, hardwood floors, and appliances. For instance, smoke damage causes fabrics, clothes, and soft goods to reek of the smell of smoke. Additionally, smoke and soot can discolor objects and reduce the life span of electronics and machinery. Consequently, you and your insurance company will have to determine which personal property is salvageable v. non-salvageable property after a fire.

Actual Cash Value v. Replacement Cost Value

Actual Cash Value v. Replacement Cost Value

Many homeowners never read their homeowners’ insurance policy. Then a covered loss, like a fire or hurricane, causes extensive damage to the home and contents. Of course, the homeowner files a claim with her insurance company. Eventually, the homeowner gets a claim settlement offer from the home insurance company. However, only then does the homeowner learn the difference between actual cash value v. replacement cost value coverage.

What is an Appraisal Clause in an Insurance Policy?

What is an Appraisal Clause in an Insurance Policy?

Water damage insurance claims are some of the most frequent home insurance claims that homeowners file. However, homeowner insurance does not cover all types of damages caused by water. Therefore, handling water damage insurance claims requires the homeowner to be careful and diligent before and during the claims process.

Homeowners’ Property Damage Claim-Do You Need an Attorney?

Homeowners’ Property Damage Claim-Do You Need an Attorney?

Unfortunately, a terrible storm moved through your area. It left fallen trees and damaged homes in its wake. Your house was one of them. You have never filed a claim with your homeowners’ insurance company. But you now have a homeowners’ property damage claim-do you need an attorney?

How to Negotiate a Fire Damage Insurance Claim

How to Negotiate a Fire Damage Insurance Claim

One of the most traumatic events experienced by homeowners is a fire in their homes. Certainly, the potential for serious injury can be significant. However, the relief that no one was harmed soon fades away as the reality of the property damage sinks in. Now, one key question for the homeowner will be how to negotiate a fire damage insurance claim settlement.

Insurance Claims for Poorly Installed Stucco

Insurance Claims for Poorly Installed Stucco

Stucco is a popular siding used on new developments, homes, and businesses since the early 1900s. Manufacturers make it of cement, limestone, and silica. In fact, it has become very popular in the last 20 years. However, when not installed properly, it can lead to several problems. Therefore, some homeowners will have to file insurance claims for poorly installed stucco.

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