Disaster Recovery From Inspection to Insurance Claims

There are many factors that go into the insurance claim process during disaster recovery, and this can be seriously daunting for those who have just survived disasters. Fortunately, the procedure isn’t as mysterious as some policy providers might like you to believe.

Seeking insurance revolves around verifying that the damage you want to claim is worthy of compensation. In other words, the inspection is key to whether you actually receive the assistance you need.

What Does a Good Insurance Inspection Involve?

Property-damage inspections are designed to let experts take a firsthand look at the different damaged areas of your property that you’d like to be compensated for. They should also make close assessments of the building materials and components you might not know were damaged.

For instance, if your home was damaged in a fire, it makes sense to inspect the timbers around burned-out walls to ensure they can still provide safe structural support. What many homeowners miss out on, however, is the fact that inspectors also need to examine fixtures like soldered pipe joints in the vicinity, electrical wiring and nearby ductwork.

Because such components are commonly hidden, they’re easy to overlook. Anything is vulnerable to disaster damage, however, so it’s vital that everything be assessed.

Who Should Perform My Damage Inspection?

Your primary inspector must have extensive disaster remediation experience. A friend or relative may indeed be a building expert due to the fact they own a construction business, but they have no business assessing your property damage.

Restoration work commonly involves processes including damaged material removal, deep cleaning and property replacement, and rebuilding. Remediation professionals possess a greater understanding of the associated costs, so they’re more likely to help you make an accurate claim.

Remember that the claims adjuster sent by the insurance company isn’t necessarily there to help you get the coverage payout you require. Their primary function is to confirm that your claim isn’t fraudulent, so you also need an inspector who’s willing to work on behalf of your interests.

When Does My Property Need to Be Inspected?

As with most insurance interactions, inspections should be performed as soon as possible. The quicker you get someone to determine what’s actually damaged, the faster you can commence making effective repairs. Staying on the ball also gives you more leeway to negotiate with your insurers if necessary and clear up any miscommunication before you commit to a costly repair.

Another important reason to inspect early is that doing so minimizes damage and could increase the chances that your claim will go through. If your home goes a week with a gaping hole through its side, exposure to weather and the environment might spread existing damage further. By inspecting sooner rather than later, you limit such possibilities, and the lessened repair costs could make paying your claim in full seem more enticing to you policy provider. If you’re ready to jump on the process with an inspection, contact a Paul Davis specialist now.