In New York, homeowners must file a claim before they can tap into the benefits provided by their policies. These claims must conclusive and provide all fine details of the property damage. They must also be filed in a timely manner to avoid unwanted delays in processing. The following information highlights what a Home Insurance Adjuster in Queens NY does.
Assess the Property and Generate a Report
The adjuster must assess the entire property thoroughly. This process could take a considerable amount of time depending on the stability of the property. If a collapse is possible, the process may be performed in stages and require additional claims to be filed.
Photograph the Property Damage and Document It Carefully
These adjusters also photograph all property damage. This allows them to document the claim more efficiently. The images are included with the claim to verify all damage and present additional details about the property. This will include any section of the property where health hazards are present. The images present an image of the event that caused the damage and what is required to restore the property.
Direct the Owner to Contractors Who can Provide Estimates
The insurance adjuster can provide the homeowner with recommendations for contractors and other service providers. The adjuster can provide them with a full list of restoration and mitigation services as well. In most cases, the homeowner will need at least three estimates when filing the claim.
Arrive at a Payment Value for the Owner
Once the insurer reviews the claim and all estimates, they provide the homeowner with a cash value. This value provides them with funds to complete the restoration or reconstruction process. The adjuster can negotiate with the insurance company to increase this value.
In New York, homeowners submit claims when their property sustains damage. Under these policies, the damage must occur during or as a result of the covered events. The homeowner must notify their insurer to acquire an appointment with an adjuster to start the claim’s process. Homeowners who need to secure a Home Insurance Adjuster in Queens NY contact Arg Adjustors LLC right now.