What are the best practices for working with an adjuster (General Liability & Property damage)

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1. Dealing with an insurance adjuster can be daunting, especially in a situation where you’re dealing with property damage caused by someone else’s actions. Here are some best practices to help you navigate the claims process effectively:

   1. Gather Documentation:
   2. Keep a detailed record of all communications with the plumber and their insurance company, including dates, times, and names of individuals you spoke with.

   3. Document the damage thoroughly by taking clear photographs and videos of the affected areas. Note any items that were damaged or destroyed.

   4. Collect Estimates:

   5. Get multiple written estimates from licensed contractors for the repairs. This will provide a solid basis for your claim and help ensure you are compensated fairly.

   6. If possible, get a blueprint or outline of what repairs are needed, especially if the damage is extensive.

   7. Understand Your Coverage:

   8. Familiarize yourself with your own insurance policy and any applicable coverages. This will help you understand what you might be responsible for and what the plumber’s insurance should cover.

   9. Communicate Effectively:

   10. Be polite and professional when communicating with the adjuster. Make sure to clearly express your expectations and any concerns you have.

   11. Provide all requested information promptly to avoid delays.

   12. Stay Organized:

   13. Create a folder for all relevant documents, correspondence, and records related to the claim for easy reference. This includes receipts for any temporary repairs or expenses incurred due to the damage.

   14. Follow Up Regularly:

   15. Don’t hesitate to follow up with the adjuster if you don’t hear back within a reasonable timeframe. Maintain regular communication to keep your claim moving forward.

   16. Know Your Rights:

   17. Familiarize yourself with your rights as a claimant. Understand what the insurance company is obligated to do under state laws and their policy guidelines.

   18. Be Prepared to Negotiate:

   19. Be ready to negotiate if the initial settlement offer seems low. Present your estimates and documentation to justify your request for a higher amount.

   20. Consider a Public Adjuster:

   21. If you feel overwhelmed or believe the claim is not being handled fairly, you might consider hiring a public adjuster. They work on your behalf to negotiate with the insurance company.

   22. Utilize Your Insurance if Needed:

       • If the process is taking too long or you’re not getting the response you need from the plumber’s insurance, you might want to involve your own homeowner’s insurance to get the repairs done. They can then subrogate against the plumber’s insurer for recovery.

   23. Maintain a Timeline:

       • Keep a timeline of events and actions taken. This can be helpful if there are disputes over the processing of your claim.

   24. Stay Patient but Persistent:

       • Claims can sometimes take time, but being persistent and proactive will help you stay ahead in the process.

   By approaching the situation systematically and armed with the right information, you can effectively work with the adjuster to ensure a smoother claims process and hopefully get fully compensated for the damages.

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