3 Reasons Not to Wait For Your Insurance Adjuster Before Addressing Flood Damage

10/19/2020 (Permalink)

Floor damaged after flood in Erie, CO

The Following Are A Few Reasons Why This Is Not The Case

If your home has been damaged by flood water after a storm in Erie, CO, one of the first things you should do is file a flood insurance claim. Once you have started the process, you may think that you should wait for the adjuster to show up before you do anything else. 

1. There Could Be a Long Wait
In the case of a storm, it is unlikely that your house is the only one that has been affected by flood damage. There are probably many others filing insurance claims at this time. Because of this, you might end up waiting for a while before someone is available to inspect your home.

2. You Will Waste Time
There are many things that you could be doing instead of just waiting for the adjuster. You could take pictures of damaged areas of your home or make a list of items that need to be repaired or replaced. You could also take this time to go over your flood insurance policy so you know what to expect during the process.

3. Damage Could Worsen
When left to sit, water can cause additional problems such as mold damage, weakened building structure and deterioration. If this happens, more repairs will be needed which will take additional time and money. This can also result in your insurance claim being denied if it is determined that you did not take the necessary steps to prevent further damage.
After you have filed your flood insurance claim, you should do what you can to prepare for the inspection and to prevent your home from becoming more damaged. Contacting a cleanup and restoration company is a good option. These professionals can perform mitigation to keep damage from spreading and can also help document current damage for your adjuster. This will help move the process along more smoothly.