Water damage can occur in so many different ways. If it's cold outside and a pipe bursts in your home, the water can flow throughout each space so quickly that your floors and furniture will be completely drenched before you know what's happening. Mopping up the water is the first step but simply removing the liquid may not be enough to stop further damage from occurring. If you have homeowner's insurance, you likely file a claim and hope for the best. However, this may not be the best course of action because you might not get what you deserve. Keep reading to see why you should contact a public adjuster after the water has caused damage to your home.
Proper Documentation Is A Must
Filing an insurance claim involves so much more than making a single phone call. You must have the right documentation before reaching out so that you're able to recoup as much of your losses as possible. Without the right pictures, receipts, and accurate dates, you stand to receive a highly insufficient payout.
Public adjusters understand the claims process in a very intricate way. Instead of working for a particular insurance company, they essentially work for you. They'll guide you through the claims process and help you put together your filing so that it is as complete as possible.
Public Adjusters Calculate Current & Future Costs
Once you have cleared away the water and dried out the affected areas you may think your work is done. This might seem apparent on the surface but you never know what's going on underneath. What if the subfloor that is just below the upper layer of your flooring has been damaged? Or, what if mold begins to grow in your carpet because of the leftover moisture? You may not find out about these particular issues until much further down the line. If you've accepted a settlement from your homeowner's insurance you might not be able to go back and ask for more.
These are the types of scenarios that a public adjuster wants to help you avoid. The public adjuster can conduct a full investigation to see if there is hidden damage that could come back to haunt you later on.
Navigating the claims process after a water damage incident doesn't have to be a chore. If you ever experience water damage in your residence reach out to a public adjuster like Anthony Ricciardi Licensed Public Insurance Adjuster right away.