Tips for Documenting Property Damage
One of the biggest tasks involved in public adjusting involves documenting insurance losses. After all, the insurance company will not pay without proof that a loss occurred. Whether you're filing an insurance claim on your own or intend to work with a public insurance adjuster, these tips may be helpful should your property become damaged.
- Take lots of photos of the damage - Digital cameras and smartphones make it possible to take hundreds of photos, so don't be skimpy. Take wide angle shots to provide an overview of the damage as well as close-ups of the specifics. In many cases, you'll want to take several photos of a single item. For example, you might take a photo of a damaged television that shows its cracked screen. While that photo proves the damage, it doesn't tell us much about the TV itself. Take another photo that shows the TV's model number and/or serial number. This information allows your insurance adjuster to find out exactly how much that television initially sold for, how much it is worth today, and how much it would cost to replace it with a similar item.
- Record weather and environmental conditions surrounding the loss - Keep copies of relevant weather and newspaper reports. These items can support your insurance claim. In addition to reports, take photos or video of the event if it's safe and practical. For example, time- and date-stamped photos of hail stones on your roof are quite convincing, especially if it was an isolated incident or not reported in the news.
- Keep copies of receipts and create a home inventory - This is ideally done before a disaster strikes. Receipts and home inventories can save you and your public adjuster a great deal of time estimating your losses. In addition, they ensure that you don't forget to claim something due to stress or memory issues.
- Get expert opinions - While your insurance company will send its own adjuster out to assess the damage, that adjuster's opinion is not necessarily the final word in the matter. Feel free to call in your own experts including public insurance adjusters, roofers, water restoration companies, contractors, or even structural engineers to give their professional opinions about the cause, nature, and extent of the damage.
Public adjusting companies can arrange all of the above for you. In fact, we do everything, allowing you to take care of your family and business while we handle - and maximize - your insurance claim. Contact us today to learn more about public adjusting in Brownsville, South Padre Island, Harlingen, McAllen, Laredo, Rio Grande City, El Paso, Corpus Christie, and other South Texas communities.