Preparing for that visit from your insurance company's adjuster? An expert weighs in on what you should do. NY1's Monica Brown filed the following report.
If your insurance adjuster has yet to visit your home after it sustained damage in Hurricane Sandy, you can take a few steps to get ready for the visit.
"Basically, keep a diary of everybody you've spoken to," says Jeanne Salvatore of the Insurance Information Institute. "Take down their name, their phone number, when you spoke with them. The more organized that you are, the easier and the simpler the entire process will be."
If you're living in the home, make those temporary repairs to make it more livable, but don't go much further. You want the company to document the loss.
"These are repairs that just will prevent additional damage," Salvatore says. "For instance, if a window blew up and you put something up so that if rain comes in, or snow now, that you won't have additional damage. But keep receipts for that, because that's generally going to be covered under your home insurance policy. "
You can challenge your estimates. Remember that that first check you get is often an advance, not a final settlement.
"You want to ask a lot of questions," Salvatore says. "Keep good records. Ask 'Exactly hat is this check for? How much more an I entitled to, and when should I expect that second check?'"
In fact, you may get three checks from your insurer, one for damage to the home, one for losses related to personal belongings, and one for additional living expenses, like hotel bills, if you have to be relocated.
For more information, visit the Insurance Information Institute at iii.org.