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I live in the midwest and my town was hit with a disastrous hail storm. The insurance companies had claimed this area as a disaster area. My roof has hail damage but when calling my insurance company they want me to file a claim BEFORE an adjuster comes out. Is this normal when a disaster area has been claimed? I don’t feel comfortable filing a claim against my home owners insurance and could find out they aren’t going to pay anything.
They SHOULD come out and make an estimate BEFORE filing a claim, correct?

7 Thoughts on Are you required to file a home insurance claim BEFORE an adjuster comes out?
  1. Reply
    homertime
    October 30, 2011 at 2:25 am

    how would an adjuster from your insurance company know to come to your house if you didn’t file a claim?

  2. Reply
    jlf
    October 30, 2011 at 3:24 am

    They are right, you are wrong. You must file a claim first.

  3. Reply
    Ginger
    October 30, 2011 at 3:36 am

    Adjusters work based off of assignments. Without a claim, there’s no assignment. Just because something is declared a disaster area, doesn’t obligate the insurance company to anything. They are only obligated based on claims submitted by their customers.

    Now, if you’d like to get your own independent estimates to determine whether you should file a claim or not, that’s up to you. I often advise my customers to do that in the event they are on the fence and aren’t sure they want to file a claim. I explain that insurance is for the big stuff, a house fire, a tornadoe, basically something that causes you to be out of pocket major money.

    Get a couple of independent estimates, take your deductible into consideration and realize that some companies will cancel you if you have several claims within a short time span, such as 3 claims in 3 years.

    Good luck to you!

  4. Reply
    mbrcatz
    October 30, 2011 at 4:07 am

    Normally, an adjuster won’t come out, until AFTER you file the claim.

    Kinda like, you’re trying to go to the recovery room, BEFORE you have the surgery. Not sure what the point is.

    Talk to your agent, to see if that TYPE of claim is covered. Or hire a roofer to come out and look at your roof.

    But they WON’T send someone out to inspect your property, to tell you if you have damage or not.

    So wrong – they won’t come out and do an estimate before filing the claim – just like your auto mechanic won’t come out and tear your car apart and do THAT estimate, either.

  5. Reply
    Brittany Due 3/17/10
    October 30, 2011 at 4:17 am

    How would the adjuster know to come to your home if you don’t file a claim? Having it declared a catastrophe has nothing to do with the adjuster.

  6. Reply
    Whitley
    October 30, 2011 at 4:59 am

    It is necessary to file a claim in order to get the insurance benefit. Since it is the proof that you require the insured amount.

    The insurance team would visit the place insured and then would provide you the estimate they are willing to pay as per the policy norms.

    But at 1st instance, you need to file a claim. Or else it won’t process further.

  7. Reply
    MJG
    October 30, 2011 at 5:48 am

    Yes its a basic rule dear how can adjuster come before you file a claim. You must have to file the claim first then adjuster will come to estimate loss etc..

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