The short answer
What Adjusters Look For
An adjuster starts by examining the affected areas, such as ceilings, walls, floors, and personal belongings. They look for visible signs like stains, warping, or sagging. They also check for hidden moisture using tools like moisture meters to detect water trapped behind surfaces.
The adjuster will try to identify the water source, whether it is a burst pipe, a roof leak, or flooding. They note whether the damage is fresh or old, since gradual damage may be treated differently. They also assess if the damage affects the structural integrity of your home.
Documenting the Damage
Adjusters take photographs and measurements of every affected area. They may create a detailed inventory of damaged items, including furniture, electronics, and clothing. This documentation helps them estimate the cost of repairs or replacement.
You can assist by keeping your own records. Take photos before any cleanup, list damaged belongings, and save receipts for temporary repairs. This helps ensure nothing is overlooked during the assessment.
- Take photos of all visible water marks
- List damaged items with approximate values
- Keep samples of wet carpet or drywall if possible
- Note the date and time the damage was discovered
Estimating Repair Costs
Adjusters calculate the cost of repairs based on the extent of the damage and local labor and material prices. They consider factors like the size of the affected area, the type of materials (drywall, hardwood, tile), and whether mold is present. They may also factor in the cost of drying equipment and temporary housing if needed.
The estimate is not final. It depends on the specific details of your claim, such as the cause of damage and your policy limits. Sometimes adjusters bring in specialists for complex assessments, like structural engineers or mold professionals.
Policy Coverage and Limits
Your insurance policy dictates what is covered and how much you can claim. Adjusters review your policy to see if the damage is from a covered peril, such as a sudden pipe burst, or excluded, like flooding from outside. They also check your deductible and coverage limits.
Policies vary, and your insurer decides what is covered. If you are unsure about your coverage, review your policy documents or ask your insurance company for clarification. Keep in mind that gradual damage from neglect may not be covered.
Preparing for the Adjuster
Before the adjuster visits, make a list of questions you have and gather any documentation, such as maintenance records or photos of the area before the damage. If you have already taken steps to prevent further damage, like turning off the water or placing a tarp over a roof leak, mention that.
- Be present during the inspection
- Point out all water stains and damp areas
- Mention any pre-existing issues you were aware of
- Ask about next steps after the assessment
Water damage does not wait
Water keeps spreading into floors and walls, so it is worth acting early. Calls are answered 24/7.
Call Now (817) 799-6732Frequently asked questions
What should I do before the adjuster's visit?
Document everything with photos and a written list of damaged items. Make temporary repairs to stop further damage, like shutting off the water or covering a roof hole. Keep receipts for any materials you buy. Be ready to show the adjuster all affected areas, including closets and lower levels.
Can I clean up before the adjuster sees the damage?
You can remove standing water and dry out wet items, but do not throw away damaged belongings before the adjuster sees them. Take photos first. If you must discard something for safety, keep a sample or a photo. Cleaning up quickly helps prevent mold, but documentation is key.
How long does an adjuster take to assess damage?
The inspection itself often takes one to two hours, depending on the size of your home and the extent of the damage. After that, the adjuster compiles a report, which can take a few days. The final claim decision depends on your insurer's review process. Policies vary, and your insurer decides what is covered.