New clients often ask what they can do to help their claim get paid. The answer we give is a simple one. Make sure your property is clean and neat when the insurance company adjuster comes to inspect the damages with us. By that, we don’t mean remove or cleanup the evidence of the damage, but rather make sure the rooms are uncluttered so the adjusters can move about and inspect without any difficulty. Clean floors and bathrooms so that the property has the look of one that is well kept and maintained.
So why is this important? It comes down to this. If an insurance company adjuster comes to a property that is unclean and poorly maintained, it is more likely they will view the damages they are being shown as being the result of lack of maintenance or neglect by the owners. Insurance covers damage that is sudden and accidental. They do not cover damage that is ongoing over a period of time.
If the damages are viewed in a setting that is neat, clean and organized, it is much more likely that an adjuster will see those damages as being new and not consistent with the way the rest of the property looks. It’s just human nature.
So, if it’s been a while since your property was treated to a good spring (or winter) cleaning, it may be time to bring out the vacuum and mop. It could help the settlement of your claim down the road.