If your property has been damaged in a fire, storm, or other disaster, you will need to file an insurance claim to cover the cost of repairs. As part of the claims process, your insurance company will send an agent to perform a damage assessment. You can also hire a public adjuster to perform an independent inspection to make sure the results are accurate.
Our team at Santex Public Adjusters has extensive experience in performing independent damage assessments, and we have put together this article to explain how the process works.
- Physical Inspection – The first step in the insurance damage assessment process consists of an inspection of physical damage to your property. Both your insurance agent and our public insurance adjuster will examine your home’s structure, including the walls, foundation, ceiling, roof, and any other affected parts, for signs of damage. We will carefully document our findings and include them in your claim.
- Additional Testing – Because not all damage is easily visible, the damage assessment process will likely also involve testing for hidden damage such as moisture problems, mold, or similar issues. This kind of problem can cause serious problems if not addressed promptly, so our team will make sure to thoroughly check your home for hidden damage.
- Documentation – Throughout the damage assessment process, our team will take exacting notes and document all instances of damage with photos. These documents will then be used to support your claim and will help us negotiate the highest possible level of compensation for you.