When dealing with property damage, the initial inspection by your insurance adjuster is a critical first step in assessing the scope of repairs. However, it’s not uncommon for additional damage to be discovered after the initial assessment is completed. This scenario can create challenges but understanding your options and how to proceed is key to maximizing your claim and ensuring your home is fully restored.
Why Additional Damage May Be Discovered Later
There are several reasons why damage might be overlooked or only become evident after the initial inspection:
- Hidden Issues: Some forms of damage may not be immediately visible. For example, water intrusion can lead to mold growth or structural weakening over time. Similarly, electrical or plumbing issues might not present themselves right away.
- Weather Conditions: In cases of storm damage, subsequent rain or adverse weather can exacerbate problems or reveal previously unnoticed issues.
- Incomplete Inspections: The adjuster might have missed some damage due to time constraints, limited access to certain areas, or insufficient expertise in specialized damage.
Steps to Take When Additional Damage is Found
1. Document the Newly Discovered Damage
Whenever you encounter additional damage, it’s vital to document it thoroughly:
- Take Photos and Videos: Capture clear images from multiple angles.
- Date the Discovery: Keep records of when you noticed the new damage.
- Make a List: Create a detailed list describing the additional damage and its potential causes.
Having a well-documented record will strengthen your case when requesting a supplemental claim from your insurance company. For more details you can check this source on Consumer Finance.
2. Notify Your Insurance Company Promptly
Inform your insurance company as soon as possible after discovering new damage. Be prepared to share your documentation and explain how the damage was uncovered. You may need to request a reinspection by the insurance adjuster.
3. Request a Supplemental Claim
A supplemental claim allows you to amend your initial claim to include newly discovered damage. This process may involve:
- Meeting with the Adjuster: Your insurance adjuster will likely want to revisit your property to inspect the additional damage.
- Providing Documentation: Present the photos, videos, and any other evidence you have gathered.
- Hiring a Public Adjuster: If the process becomes complex or you encounter resistance, a public adjuster can advocate on your behalf.
4. Consider a Professional Inspection
In some cases, hiring a contractor, engineer, or another specialist to inspect the damage can provide a more accurate assessment. Their expertise may help identify hidden damage that the insurance company’s adjuster missed.
Common Challenges When Discovering Additional Damage
1. Insurance Company Pushback
Insurers may resist covering additional damage, especially if they believe it was not caused by the initial event. Be prepared to negotiate and provide evidence that supports your claim.
2. Delayed Repairs
The discovery of additional damage can delay the repair process. While frustrating, it’s important to address all damage thoroughly to avoid long-term issues and maximize your settlement.
3. Insufficient Payouts
If the insurance company offers insufficient compensation for the additional damage, you may need to appeal the decision or escalate the claim with the help of a public adjuster. Public adjusters have experience negotiating with insurance companies to ensure that policyholders receive the compensation they deserve.
For more information on handling disputes with your insurer, refer to this helpful resource on insurance disputes.
Working with Acuity Adjusters: Your Partner in Claims Management
At Acuity Adjusters, serving California, we represent policyholders facing complex claims processes. When additional damage is discovered after the initial inspection, our team of experienced public adjusters can help ensure that your supplemental claim is handled fairly and efficiently. We advocate on your behalf, provide thorough documentation, and work to secure the full compensation you deserve.
Our goal is to take the stress out of dealing with insurance claims, allowing you to focus on restoring your home and moving forward confidently. When you need an ally in your corner, trust Acuity Adjusters to be there for you every step of the way.