Why You Shouldn't Wait for a Storm Adjuster

12/20/2018 (Permalink)

After a severe storm or flood in Albany NY many residents are likely to report damage. Regardless of whether you need to file a storm or flood damage claim, you should immediately document damage and take measures toward mitigation as soon as possible. Here are three reasons why you should not wait for a flood insurance adjuster.

1. Adjusters Are Busy

If the storm was severe or affected a large area, adjusters will have their work cut out for them. Even if you notify your insurance company of damage in a timely manner, you may still be a on a long waiting list. In the meantime, the damage in your home will intensify.

2. The Damage Will Get Worse

If you wait so that an adjuster can witness the full extent of the damage firsthand, primary storm or flood damage will worsen and secondary issues, such as mold damage, may arise. Most homeowner's and flood insurance policies require that policyholders take reasonable steps to mitigate damage. You may be able to obtain an advance on your policy to cover some of the cost of mitigation.

3. You Just Need Documentation

Extensive photographic and video evidence are all you need to support a claim. You may be able to make an even stronger case if you have relatively recent footage from before the flood or storm. It is a good idea to capture the condition of every part of your home once or twice a year and back these files up in remote and secure cloud storage.

As long as you gather evidence of the damage and losses your property has suffered, you should be able to file a homeowner's or flood insurance claim. Contact a residential mitigation and restoration service as soon as your residence sustains flood or storm damage or if you suspect that mold damage may be present.