I'm meeting with the flood insurance adjuster tomorrow. I was curious about how to answer questions. Also since our house has been gutted 4' we need somewhere to stay. I would like to get a trailer and put in the back yard till the house is fixed, but not sure how to approach the situation. Anybody who has been through this please give any advice also.
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Rod aka At Full Draw can probably help you -
Also hire an independent adjuster.....Comment
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You can't hire a independent usually. You can hire a public adjuster. I strongly suggests against this.Originally posted by thorthunder View Post
Unless you have time in your hands and want to delay everything. And give up 20% of your money...
Rare they are justified imo.Comment
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OP best bet is just be honest about your losses.
As for living on site with a trailer that's your right. The funds for this come from your A.L.E. (additional living expenses)
. With the size of this storm and shortage of contractors the argument of time to rebuild is on your side. Might be able to push for agreed limits, sign a settlement and get one payment to spend how you like to live where you need. The more in your household including pets add up quick to feed and house. ALE is intended to cover cost of rent or hotel, eating out 3x a day (if they can't place you in a facility with kitchen), laundry cost, pet housing, additional commuting cost as needed, utilities above ones you leave in at home ext.
Ask for policy limits and make your case. Take that money buy a camper and sell it when your house is fixed.
If they push back put the burdin of housing you and your family on them. Don't let up, call every day. Then keep asking for limits to make the issue go away. If your staying with friends or family now get them to charge you. Send a receipt to adjuster for said "rent". Keep every receipts from water, food, to coin laundry ect from day one.Comment
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This is exactly what I was thinking, I don't want to be dishonest I just want to make sure i can take care of my family and I don't get screwed.Originally posted by Spearchunker View PostComment
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Originally posted by Kurdawg View Post
First question to ask.
Are you a staff or independent adjuster?
A. Independent- great! More he pays you more he gets paid.
Or B. Staff - crap he/she has micro managers. Everything has written has to be reviewed by at least 2 managers. Less they pay better their dept. looks. Not always bad, but not great.
How many major storms have you worked?
A. First one. - pray
Or B. Seasoned - amenComment
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Spearchunker is giving solid advise..........Comment
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He is an independent adjuster and into deer hunting. When I said my room with my hunting gear and deer heads he said your wife lets you have your own room for that? I said ya a lot of them are hers too lol.Originally posted by Spearchunker View PostComment
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Sounds like your in good hands.
Hope it all works out. I was a restoration contractor for 12 years and chased storms. Then crossed fence as an independent for Katrina. I was lic in most southern states and flood certified as well.
I could not spend any more time away from the son and bride. Hung it up. Living in a TT alone gets old lol.Comment
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Solid advise from spearchunker.
If you have contents coverage. Make a list of all contents that could've gotten wet, when you bought it and and the value. Some of this you will have to estimate more than likely.
As far as damages go, remember if the adjusters appraisal will not cover the amount in the bids you've received, you can always file a supplemental claim for the additional money.
I went through this on my last house during hurricane Ike. I used a contractor friend of mine that walked me through the process of dealing with the insurance adjuster and it was a breeze. Also my adjuster was pleasant to deal with. So this all definitely made it easier.
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More advise on contents. Be careful here. Limits add up quick when wasted on restoration contractors like Blackmon or Servpro. Don't let them pack you out and store anything you would rather replace. They will charge $25 to clean one chair and $10 to store it monthly! So a $30 chair will cost $100 of your limits to just get back a used chair. Of course my calculations are random and just an example.
I suggest get bids for value of pack out and storage. Settle with adjuster on these salvageable items and then decide if you really want them cleaned and stored? Or just take cash and clean on your own or discard. I have seen way too many people loose a lot of their funds on pack outs.
Also get bids from local dry cleaner to clean all your clothing and then claim as well. Make same choices.
Don't panic if you can't remember everything you lost. If you go to get a crock pot in 6 mo. And realize its gone and you didn't itemize you can always call and ask for a supplement. You have 1 year to recall these things.Comment
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