Why Is a Claims Adjuster at My House?
You may hear a knock on your front door and open it to see a stranger you have never met. This stranger may introduce themselves as a public claims adjuster and ask to step into your home. If you are not quite sure what is going on, please read on to discover why a claims adjuster is at your house and how a seasoned New York City public adjusters attorney at The Law Office of Craig A. Blumberg, P.C. can help you interact with them appropriately.
Why is an insurance claims adjuster at my house?
In short, a claims adjuster is likely at your house because you filed a claim with your homeowners’ insurance company after incurring loss or damage to your property, whether it be from a weather storm or an act of theft or vandalism. And so, your insurance company may have sent them on-site to assess the true damage and confirm whether you provided an accurate depiction and asked for a fair amount of monetary payout in your claim.
How should I interact with a claims adjuster?
With the on-site inspection, the claims adjuster will deduce how much your homeowners’ insurance company is liable for your losses or damages, based on your selected policy and deductibles, and thereby how much they compensate you. Possibly unlucky for you, adjusters have a reputation for looking at every angle possible to minimize the amount you ultimately pocket.
For this reason alone, you should put your best foot forward when greeting the claims adjuster onto your property. This means being willing and open to speak with them and answer any questions they may have for you to the best of your ability. Also, have a willingness to let them enter certain areas of your house to take the necessary photos and videos for their report.
You should have a general idea of when the claims adjuster is scheduled to visit your house. With that, you should keep handy any relevant documents and records, in case they ask to review it in person. This may be the evidence that you submitted with your initial homeowners’ insurance claim, copies of quotes you received from repair companies, and much more.
Overall, having your legal representative also present on your property during this visit may relieve any other worries or anxieties you may have about it. This is one hundred percent allowed and even encouraged.
To conclude, you must be fully equipped to greet a claims adjuster at your door. Your preparation is incomplete without hiring a competent New York City public adjusters attorney. Contact The Law Office of Craig A. Blumberg, P.C. today.
