Do I Wait to Clean Up Until an Adjuster Comes to Document the Damage?

2/15/2023 (Permalink)

Never forget to document your property damage as soon as possible.

After experiencing storm damage you may wonder, do I wait for an adjuster to come and assess the damage before I can start cleaning up and moving my things?

The answer is NO. 

An insurance adjuster does not need to witness the damage to process a claim, but will require you to document the damage if you decide to begin cleaning up. Take extensive photos and videos, while also listing damaged property and recording their condition and value. 

Adjusters are Likely Busy with Multiple Claims

If your property was affected by a storm, it is likely that neighboring properties are as well. This will result in a number of claims for insurance companies and it may take adjusters awhile to actually follow up on your claim. 

Further Damage Can Happen the Longer You Wait

The longer you allow damage to sit, the worse it can get, especially water damage. If you let the water sit too long it can result in mold issues. Mold damage can emerge between 24 and 48 hours after water or moisture is present. Make sure to take action as soon as possible to avoid this outcome.