Janet Ruiz, director of strategic communications for the Southern California-based Insurance Information Institute, emphasizes that you will be working closely with your adjuster and the insurance company, so it’s helpful to develop a mutually beneficial and respectful, communicative working relationship.
“Think of it as a negotiation process and don’t get defensive,” she says. “It’s a very upsetting situation, and people often mention that they’re ‘fighting’ with their insurance company, But I urge them to talk instead.”
Do I have to work with the insurance company’s adjuster?
You may choose to work with a public adjuster instead of an insurance company adjuster. If you go this route, you will not be able to communicate directly with the insurance company (the public adjuster will fill that role). For some people, this may take some of the stress away, although you will still have to pay them from the settlement of your claim. You can view public adjuster license through California Department of Insurance,
How do I list my home for my insurance company?
At some point, you will be asked to provide an inventory of your household property. If you kept your home intact before you were forced to leave it, now is the time to improve it. Don’t worry if you haven’t kept an updated list of everything in your home. Sit down with your family and write down everything you remember.
Ruiz reminds people that in the smartphone age most residents have more documents than they realize.
“You probably have a list, even if it’s not intentional, right on your phone,” she says. “You’ve probably taken photos and videos of events or celebrations taking place in your home.”
And, when you clean and rebuild, always make sure you take pictures. Everything The way it was before you moved or changed it.
What do I do once my insurance company processes my claim?
When you start receiving insurance settlement checks, you may notice that the check is made out not just to you, but to your bank or mortgage company. Contact the bank or mortgage company to find out how to access your funds.
Be sure to take and document detailed notes of your conversations with your insurer and everyone else throughout the process.
stay organized
Keeping paperwork and opportunities for assistance organized is for Schlegelmilch one of the biggest challenges families face after a disaster.
From FEMA funds to Community Development Block Grants to low-interest Small Business Association loans, it can be overwhelming and confusing. Additionally, coverage may overlap, and accepting one type of assistance may make you ineligible for another. So make sure you read everything thoroughly before signing up for anything. However, if you unknowingly received duplicate benefits, you are unlikely to face criminal charges – but you will have to pay that money back.
