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Started By
Message
Anyone had to deal with a flood adjuster?
Posted on 3/15/16 at 9:28 pm
Posted on 3/15/16 at 9:28 pm
Our house was flooded in St Tammany Parish and he's coming out Sat
Our carrier is ASI and the guy is an independent Cat adjuster
Anyone had experience with flood adjusting?
What to prepare besides the usual receipts and so on?
Our carrier is ASI and the guy is an independent Cat adjuster
Anyone had experience with flood adjusting?
What to prepare besides the usual receipts and so on?
10
Posted on 3/15/16 at 9:37 pm to lsuroadie
I have no experience but I would take photos of everything yourself
Everything
Everything
Posted on 3/15/16 at 9:45 pm to HailToTheChiz
Everything photographed.
Itemize everything if possible - elec outlets, Windows, etc.
If they try to undervalue or fight your claim in any way, chances are by the time that happens you are all cleaned out of the house. So then how do you prove it after you threw it all away?
Itemize everything if possible - elec outlets, Windows, etc.
If they try to undervalue or fight your claim in any way, chances are by the time that happens you are all cleaned out of the house. So then how do you prove it after you threw it all away?
Posted on 3/15/16 at 9:51 pm to eng08
plenty of pics and vids, nothing has been thrown away, just on porches
Posted on 3/15/16 at 10:02 pm to lsuroadie
Looks like you got the pics and vids and saving stuff down.
Try to start thinking about what you think it will cost to rebuild and replace everything. Just jot some numbers down. Don't show him, but just so you can know if he is in the ballpark or not.
Take steps to mitigate. Remove all the wet stuff. If anything is exposed to the outdoors, try to cover it.
Did you have any actual damage from the storm like wind or rain, or was it all just flood?
Try to start thinking about what you think it will cost to rebuild and replace everything. Just jot some numbers down. Don't show him, but just so you can know if he is in the ballpark or not.
Take steps to mitigate. Remove all the wet stuff. If anything is exposed to the outdoors, try to cover it.
Did you have any actual damage from the storm like wind or rain, or was it all just flood?
Posted on 3/15/16 at 10:21 pm to LSUFanHouston
Your policy requires you to separate the damage goods from the undamaged. Also, make sure you have contents coverage.
Posted on 3/15/16 at 11:54 pm to lsuroadie
Uncle who has worked in insurance all his life once told me the best way to itemize things for is to use a video camera. Would think this would apply to damage as well. Just take your time walking around getting things from different angles, opening cabinet door ect ect. Should always be able to go back and capture a frame from the vid if a pic is needed.
Posted on 3/16/16 at 8:05 am to lsuroadie
quote:
Our carrier is ASI and the guy is an independent Cat adjuster
Does ASI cover flood?
Thought that was covered by your flood policy through NFIP?
Posted on 3/16/16 at 8:46 am to lsuroadie
I believe wickowick is an adjuster. You can most likely find him on Outdoor Board
Posted on 3/16/16 at 9:10 am to lsuroadie
Do you have mold as a result of the flooding?
FYI, in situations like this mold can grow pretty fast. He can come and estimate it Saturday but by the time you get everything ready to start the mold could be double. I would make sure and document it all with measurements when he is there and if there are any changes be prepared to let them know that it has increased due to waiting on everything.
When I put in mold bids they are only good for two weeks and a lot of times it has grown quite a bit in that time frame.
You could also have mold behind the sheetrock that isn't visible yet. Cut our a small section when before he gets there and check for it.
FYI, in situations like this mold can grow pretty fast. He can come and estimate it Saturday but by the time you get everything ready to start the mold could be double. I would make sure and document it all with measurements when he is there and if there are any changes be prepared to let them know that it has increased due to waiting on everything.
When I put in mold bids they are only good for two weeks and a lot of times it has grown quite a bit in that time frame.
You could also have mold behind the sheetrock that isn't visible yet. Cut our a small section when before he gets there and check for it.
This post was edited on 3/16/16 at 9:18 am
Posted on 3/16/16 at 1:28 pm to CherryGarciaMan
As a rule, the company writes the paper for FEMA. They adjust claim to FEMA guidelines. Claim is paid thru Feds. Co has no incentive to low-ball. Remove wet/damaged items to mitigate loss. Do not discard anything.
Posted on 3/16/16 at 1:30 pm to dwr353
My advice, be nice to adjuster, it can go a long way.
Posted on 3/16/16 at 1:33 pm to CherryGarciaMan
quote:
Does ASI cover flood?
Thought that was covered by your flood policy through NFIP?
ASI is just his flood writer, still on FEMA paper. ASI directly is not insuring his loss.
Posted on 3/16/16 at 2:22 pm to lsuroadie
Sorry for the loss, flood sucks. How much water did you get in the house? Able to get most of your contents picked up before the water arrived?
I am not NFIP certified but handled a few flood claims after Katrina. I deal with mainly homeowner's claims. I think the adjuster to be NFIP certified has to have 3 years of adjusting and have passed the NFIP class, expect them to be well versed in flood claims.
Flood claims are run by FEMA, there is no grey area. Damage is covered or not, remember a homeowner's policy is made to put you back the way you were before the loss, a flood policy is there to help give you a place to live. There is no money for living outside of the home why your home is fixed.
I am not NFIP certified but handled a few flood claims after Katrina. I deal with mainly homeowner's claims. I think the adjuster to be NFIP certified has to have 3 years of adjusting and have passed the NFIP class, expect them to be well versed in flood claims.
Flood claims are run by FEMA, there is no grey area. Damage is covered or not, remember a homeowner's policy is made to put you back the way you were before the loss, a flood policy is there to help give you a place to live. There is no money for living outside of the home why your home is fixed.
Posted on 3/16/16 at 3:33 pm to lsuroadie
You may want to get a contractor to give you an estimate in writing. After Katrina, my contractor's estimate was twice what the flood adjuster came up with. I had my flood adjuster and contractor in the house at the same time for the second meeting.
Don't forget fridge and pantry contents. They add up.
Don't forget fridge and pantry contents. They add up.
Posted on 3/17/16 at 8:22 pm to lsuroadie
make sure to get the adjuster's name and contact info so you can reach him when you need to ask him why he paid you for formica when you had granite?
Posted on 3/17/16 at 8:37 pm to lsuroadie
I'm an attorney who's litigated Hurricane Sandy flood claims for the last 3 years (on both sides of the "v"), which, despite a 10/29/12 date of loss, remain ongoing.
What I can tell is NFIP claims are a special beast, and documentation is imperative if you expect to recover anything near where you think you should. The key phrase you will hear from that adjuster coming out is they only pay for "direct physical damage by or from flood." They will use this against you for the life of your claim.
Your best move is to retain your own adjuster, who is experienced in estimating flood damage, to write an estimate of your flood damages before ASI's adjuster even sees your property, and provide that estimate to the flood adjuster when he gets there. Your own estimate will also of course account for any incurred costs you have post-loss for remediation, clean-up, and repairs.
If you don't want to retain your own adjuster, the best advice I can give you is to take as many photos of your damages as possible (ideally before you did any remediation efforts) - there is literally no limit to a reasonable amount. The more the better. Provide all of those photos, along with copies of your receipts for completed remediation work/repairs, to the flood adjuster, and hope for the best.
ETA: and make sure you take photos of the water lines on both the interior and exterior of your property. Include a yard stick or similar tool in the photo if possible. The reason being, whatever that ASI adjuster states in his report are the flood water heights will be gospel, and nearly impossible to controvert unless you have sufficient proof to the contrary. The time is now to create that proof - before you clean-up or make repairs.
What I can tell is NFIP claims are a special beast, and documentation is imperative if you expect to recover anything near where you think you should. The key phrase you will hear from that adjuster coming out is they only pay for "direct physical damage by or from flood." They will use this against you for the life of your claim.
Your best move is to retain your own adjuster, who is experienced in estimating flood damage, to write an estimate of your flood damages before ASI's adjuster even sees your property, and provide that estimate to the flood adjuster when he gets there. Your own estimate will also of course account for any incurred costs you have post-loss for remediation, clean-up, and repairs.
If you don't want to retain your own adjuster, the best advice I can give you is to take as many photos of your damages as possible (ideally before you did any remediation efforts) - there is literally no limit to a reasonable amount. The more the better. Provide all of those photos, along with copies of your receipts for completed remediation work/repairs, to the flood adjuster, and hope for the best.
ETA: and make sure you take photos of the water lines on both the interior and exterior of your property. Include a yard stick or similar tool in the photo if possible. The reason being, whatever that ASI adjuster states in his report are the flood water heights will be gospel, and nearly impossible to controvert unless you have sufficient proof to the contrary. The time is now to create that proof - before you clean-up or make repairs.
This post was edited on 3/17/16 at 9:05 pm
Posted on 3/17/16 at 9:01 pm to tigerrocket
quote:
You may want to get a contractor to give you an estimate in writing. After Katrina, my contractor's estimate was twice what the flood adjuster came up with. I had my flood adjuster and contractor in the house at the same time for the second meeting.
This is good advice. If you know a contractor you trust, especially one who you intend to use to make your repairs, have him come out BEFORE the ASI adjuster arrives, inspect your damage, and write up an estimate of what he would charge to do your repairs - I mean everything - and give that estimate to ASI's adjuster when he gets there.
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