Living in the Golden State comes with unbridled beauty and amazing nature to explore. Unfortunately, Mother Nature notoriously causes severe damage to homes and property.
Every year, the governor proclaims multiple natural disasters that leave many people in the lurch. While you want to get back to normal as fast as you can, what you do and don’t say to an insurance adjuster may slow down the process.
1. Avoid wording that implies fault
While a natural disaster seems like a cut-and-dry case, insurance adjusters have trained to evaluate and investigate damage to determine a settlement that favors the insurance provider. If you start to talk about how you could have better reinforced the property or waited too long for a new roof, it may affect the amount of compensation you receive.
2. Deny a recorded statement
After a life-changing event, the shock and stress of it leave you in a chaotic state. Even though you have no control over Mother Nature, your anxious-ridden state may make you more talkative than needed. An adjuster may try and get you to record your statement, which would allow them to use your words against you. While the adjuster may make it seem a requirement, you have the right to say no.
3. Negotiate for a better offer
Although you want your property back to its pre-disaster state fast, you also want to ensure you get the compensation you deserve. In general, the first offer you will receive comes fast but with a lower amount.
When faced with the aftermath of a natural disaster, you do not have to go it alone. Working with a professional may help you get the right amount of compensation.