The Flood Inspection and Estimate Process

1. Inspections will be performed as timely as conditions permit. We desire to give each and every policy holder our full attention during these inspections. There are dynamics to every inspection including those prior to your inspection appointment window. Therefore, please understand that each appointment is approximate and can be either earlier or later than expected.
2. At the time of inspection and if requested and justified, we will submit an Advance Payment Request to your insurance carrier.
3. With your cooperation and by timely submitting required documentation, i.e. proof of prior repairs, estimates, receipts, photos, contents list(s), we will complete an estimate. The time frame of this estimate preparation may also be impacted by the severity of the event.
4. If we do not receive some or all the documentation, i.e. a contents list, we will complete the portion of the estimate that we were able to document during our inspection.
5. Once the estimate is completed, we will go over the estimate with you. Your estimate will then be submitted for a review process. After this review, we will contact you and provide paperwork, i.e. Proof of Loss, for your signature. Per your policy, this signed Proof of Loss MUST BE SUBMITTED TO YOUR INSURANCE CARRIER WITHIN 60 DAYS OF THE DATE OF LOSS!
6. Once the Proof of Loss is returned to us, we will submit it to your carrier for payment processing. Keep in mind we cannot approve or deny a loss.
7. If any portions of the initial or subsequent loss filings need amendment, i.e. additional building or contents damage, validated increased cost, a supplemental loss estimate can be developed and submitted by us to your insurance carrier within one year of the loss date.

Please keep in mind that certain disasters may impact the timeline for the above process.

Sincerely,

Your Flood Adjuster