Your home insurance company will be the first to call if there has been any damage to your home. Sometimes, the process of settling home insurance claims can take a long time.
You will spend much of that time speaking with your insurance company’s home adjuster. Both you and your company will benefit from the valuable role he or she plays in keeping both of you happy. You can also search online to hire the best insurance adjuster via www.allcityadjusting.com/public-adjuster/service-areas/illinois-public-adjuster/naperville-public-adjuster/.
After you have contacted the insurance company and filled out the necessary paperwork, they will send an insurance adjuster to your home to inspect it. The adjuster will inspect the house from all sides, both inside and outside, to determine if there are any damages.
The inspector will ask about any personal belongings lost, stolen, damaged, or destroyed that may have been in the house or immediate vicinity (such as birdbaths, hose reels, etc.). You will also be asked about how you have lived since the incident. Was the house habitable or not until repairs or replacements are made?
After all of this information has been sorted, an insurance adjuster will contact the insurance company. The insurance company will likely give you a check to cover expenses if you are unable to live in the home or have been renting a property or hotel.
The insurance company will review everything that the adjuster found regarding damage to the property and tell you how much they will cover or pay. If both the building and contents are damaged, the company will offer different amounts of coverage.