The short answer
Admitting Fault or Speculating on Cause
You should never tell an adjuster that a loss was your fault or guess at what caused the damage. Statements like "I should have fixed that leak sooner" or "It was probably just an old pipe" can be used to reduce or deny your claim. The cause of water damage often requires professional investigation from a service like leak detection. Let the evidence from the inspection speak for itself, and avoid offering personal theories.
Discussing Pre-Existing Damage or Downplaying Loss
Never volunteer information about old, unrelated damage or make comments that minimize the current problem. Saying "That wall has had a stain for years" or "It's not that bad" gives the insurer a reason to attribute the loss to wear and tear. A thorough moisture mapping inspection is often needed to document the full, new extent of damage. Describe only what you see now, and let the documentation from the pros establish the severity. Policies vary, and your insurer decides what is covered.
Providing a Recorded Statement Without Preparation
You are not obligated to give a recorded statement immediately. Politely decline if you feel unprepared, as anything you say becomes a permanent part of your claim file. It is wise to first have a clear understanding of the damage, which often comes from a professional water damage inspection. Take notes on what happened and review your policy before any formal conversation. This helps ensure your account is accurate and consistent.
- Decline an immediate recorded interview if you are upset or unclear on details.
- Review your insurance policy and the facts of the loss beforehand.
- Stick to the facts: the date, time, what you discovered, and immediate actions taken.
- Do not answer hypothetical questions or speculate about "what might have happened."
- Keep your answers concise and directly related to the adjuster's questions.
- You can choose to have a public adjuster or attorney present if the claim is large or complex.
Accepting the First Settlement Offer Immediately
Do not feel pressured to accept the first settlement offer on the spot. Initial estimates may not account for hidden damage that requires services like structural drying or drywall repair. Once you accept a payment, it can be very difficult to request more funds for subsequently discovered problems. Tell the adjuster you need time to review the estimate with your contractor. This ensures it covers the full scope of necessary restoration work.
What You Should Do Instead
Focus on providing factual, documented information. Report the date and source of the water, the affected areas, and the steps you took to mitigate further damage, like calling for emergency water extraction. Support your claim with photos, videos, and detailed reports from the water damage restoration professionals. Policies vary, and your insurer decides what is covered. Your role is to be a reliable reporter of the incident, not an investigator or appraiser.
- Document everything with photos and videos before any cleanup begins.
- Keep a log of all conversations with the adjuster, including dates and key points.
- Secure and provide all reports from the water damage pros, such as moisture readings.
- Maintain receipts for any temporary repairs or expenses related to the loss.
- Ask the adjuster to explain any part of their estimate or coverage decision you don't understand.
- Do not sign any documents releasing the insurer from further liability until repairs are complete.
Water damage does not wait
Phones are answered 24/7 for Oklahoma City and nearby communities.
Call Now (405) 565-9833Frequently asked questions
Should I tell the adjuster the damage might be from a previous leak?
No, you should not suggest the damage is from a previous issue. Only discuss the new, current water event you are claiming. Determining the cause and timeline is the adjuster's job, often informed by a professional inspection. Mentioning past problems can complicate your claim.
What if the adjuster asks for permission to record the call?
You can politely say you are not comfortable with a recorded statement at that time. It is within your rights to ask for the questions in writing or to call back after you have gathered your notes and documentation. There is no benefit to rushing this step.
Can I discuss the estimated repair costs with the adjuster?
You can discuss costs, but avoid agreeing to any figures prematurely. The adjuster's estimate should be compared to a detailed scope of work and estimate from your chosen restoration contractor. Costs for services like flooring removal or drywall repair depend on the specific extent of damage.