How does an adjuster assess property damage after a disaster?

An adjuster assesses property damage after a disaster primarily through a visual inspection and documentation. This hands-on approach allows the adjuster to observe the extent of the damage first-hand, making it possible to identify and record specific areas affected by the disaster. The adjuster looks for visible signs of damage, takes photographs, and notes any unusual conditions that may need further evaluation. This thorough documentation is crucial for supporting the claim and determining the appropriate compensation for the policyholder.

While reviewing the property’s history can provide some context and understanding of previous conditions, it does not directly assess current damage. Contacting local law enforcement may be relevant in specific situations, particularly if there are safety concerns or if an investigative report is needed, but it does not serve as a primary method for assessing physical damage. Structural engineering assessments can be essential in certain complex cases, especially when structural integrity is in question, but these are typically conducted after the initial assessment rather than as the first step. The primary focus in the immediate aftermath of a disaster is the direct observation and documentation of damage.