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We have run into several instances recently where there is a claim that needs to be seen by an adjuster before repairs are made.  Now, this does not mean you have to wait for the adjuster if your house is on fire.  Matter of fact you need to take care of any immediate damage first.  We use an insurance term "remediate the loss" for that.  So call us after the fire is out, but before repairs begin.  Most insurance companies understand the need for a quick response in these cases. 

Usually, adjusters just want to see what caused a loss to make sure they can find coverage under your policy.  It helps them settle your claim faster and easier.  Take an example of hail loss to a roof.  Hail damage is covered under most insurance policies.  However, it is possible for asphalt shingles to have hail fall on them, but not damage the integrity of the shingle.  Adjusters are trained, and if needed can consult with engineers, to determine if the shingle is still good or not.  If someone else is telling you your roof is damaged by hail, wait until that is confirmed with an adjuster if you want your insurance involved.  For instance, when there is a question of whether or not there is hail damage, most adjusters will examine metal flashing around vents and chimneys and other metal items like air conditioners.  The thought there is that chances are pretty good that if the roof was damaged, there will probably be physical signs of hail falling elsewhere, too.  They also have apps and websites that record damaging hail, so that helps them pay claims.  If there is a question of damage, but a damaging hail storm came though on the date you said it did, that is helpful for the adjuster to document your hail damage.  

Our best advice is when there is a question of coverage for something that involves insurance, get the company adjuster's nod before repairing the damage.  

If you have any questions or if we can be of service, please feel free to contact us or call 419-731-3171.

By John Madison


Posted 12:53 PM

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