Accidents happen, and they can cause extensive damage to your property. The good thing is, your property is covered by insurance, so you do not have to worry about spending too much on repairs and replacements.
However, making an insurance claim for your damaged property could be quite stressful if there are gaps in your documentation. The worst-case scenario is, your claim will be rejected as not having sufficient evidence.
Your insurer will mostly have an assessor or a claims adjuster come to visit and inspect your property. They will investigate the extent of the damage to your property and will also come up with recommendations on the necessary repairs and replacements needed to restore your property.
Although your insurance company will make its own assessment of the damage, it is smart to hire an independent building inspector to assess your property and prepare an inspection report. Your insurance company’s claims adjuster will often make conservative observations and assessments. So, that they do not need to pay you beyond the minimum coverage.
WE WILL DO THE INSPECTION WITHOUT BIAS.
Independent building inspectors do not work for the insurance company, so you can be sure that they will work for the best interest of fairness. They will be looking at all angles of the damage incurred by your property.
The building inspector hired by your insurance provider will most likely work for the interests of your insurance company. They are likely to generate a report that is more favourable to your insurance provider. Hiring a trusted independent building inspector for your insurance claim assessment ensures that you will get a fair and thorough inspection report that will reflect the true condition of your property.
YOU WILL GET A DETAILED AND FAIR REPORT.
Since your inspector is independent of your insurance provider, you will be more confident with the details of your inspection report. Your independent building inspector will have no reason to hold back and will be more thorough in including the extent of the damages that were incurred by your home. Damage to your outdoor fixtures, such as your decks, sheds, garage, and carport will also be assessed in detail.
You will also receive detailed recommendations on what is needed to return your property to its original state.
Your insurance claims adjuster will be working on the side of the insurance company which is not to your best interest. With only the claims adjuster report as a basis, they may end up paying less than what is needed to repair all the damage incurred by your home.