Can an adjuster come back to my property with a bucket truck, inspect my roof and enter my home without my permission?
UPDATED: Nov 30, 2016
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Asked November 30, 2016
While the short answer is no, please read on for more details.
Insurance adjusters in Florida work during regular business hours. That means they will only visit your property on Monday to Friday during official working hours. However, these are the hours that you are also at work. Legally, an adjuster can inspect your roof and exterior of the home without your presence. However, the interior is off limits.
However, there are some advantages to letting the adjuster inspect the interior of the home. An insurance adjuster does not know anything about your home. He or she will only rely on what he sees. Thus, he may not immediately recognize the water damage that a leaking pipe has done to your home.
You are not legally required to be there when he is compiling his report. However, if you are present when he is inspecting the home, you will gain a lot. For one, an adjuster is always trying to ensure that the insurance company pays you the least amount of money. Thus, if he cannot see it, he or she will assume it is not damaged. Since some of the damage cannot be seen at first glance, take the time to guide the adjuster through everything that is broken inside the home.
While it should not feel like a war between you and the insurer, it plays out that way. If the insurance company informs you that the adjuster will arrive on a certain day, be there. Give him or her access to every area of the property that you think deserves attention, especially the interior. During the tour, avoid the use of ambiguous words. If you suspect storm water caused the damage, state it as a claim. Vague language means the adjuster will claim the storm water did not cause it. Before he or she arrives, conduct a thorough inspection of the house and find out all the areas that were damaged. Your statements are included as part of the final report.
Answered December 2, 2016 by fl_pc