Published at Friday, October 05th, 2018 - 01:40:14 AM. Home Insurance. By Jane Rhode.
Excerpt from How To Work With A Home Insurance Adjuster Estimate Too Low :
Once you have been in touch with the insurance company and filed the appropriate paperwork with them, they will send the insurance adjuster out to take a firsthand look at your home. This person will walk through the entire house with you, inside and out, to examine the property for damage. He or she will also ask you about any lost, stolen, destroyed or damaged personal possessions that were within the home or immediately outside it (such as hose reels, bird baths, and the like). Additionally, you will also be asked about your living situation since the time of the incident-if the house inhabitable until it is repaired or replaced, have you been living in a hotel or otherwise renting property since then?
Once all this information is sorted, the insurance adjuster will talk to the insurance company immediately. If you cannot live in the house and have been paying for a rental property or hotel, then the insurance company will probably give you a check immediately to cover some of those expenses. The company will carefully go over everything the insurance adjuster has found pertaining to damage of the property, and will tell you what they are willing to cover or pay you, for the damage. The building itself will be treated separately from the contents-if both are affected, then the company will offer you different amounts of coverage for each category.
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