3 Reasons Not to Wait For Your Insurance Adjuster

4/28/2020 (Permalink)

Secondary damage after storm in Oklahoma City, OK

3 Reasons Not to Wait For Your Insurance Adjuster

After a flood in Oklahoma City, OK, one of the first things you should do if your home is damaged is to file a flood insurance claim. This can sometimes be a lengthy process that involves several steps. One of these will involve an adjuster inspecting your home and evaluating the damage. While you may think you need to wait for him or her to show up to begin working on your home, this is not the case. The following are some reasons why.

1. It Could Be a Long Wait
If there has been severe weather in the area, it is likely that your house is not the only one with flood damage. Your adjuster may be busy dealing with a long list of clients. If this is the case, then it might take a while before he or she is able to visit your home.
2. Damage Can Worsen Quickly
Water and moisture can continue to damage your home as long as it remains in the building. Mold damage can occur in just 24 hours, wood can begin to warp, and metal can rust. Waiting to begin cleanup can result in the need for more costly and time-consuming repairs.
3. It Might Cost You Money
When you file a flood insurance claim, the company will expect you to take the necessary measures to prevent damage from getting worse. If you don’t do this, they may choose not to cover the costs of these repairs. To prevent your claim from being denied, you should hire a cleanup and restoration company to perform mitigation to reduce the spread of water damage.
The process of completing a flood insurance claim can be stressful, so you should do what you can to keep things running smoothly. This means taking care of a few things while you wait for your adjuster. Along with cleaning up your home, you may want to go over your policy to familiarize yourself with the terms and see what you should expect.