Others limit additional living expenses to the amount actually spent during a certain period of time, such as 12 months, instead of a maximum percentage of the policy limit. Preparing for the adjuster's visit. The claims process may begin in one of two ways. An adjuster may visit your home first, before you're asked to fill out any forms. Usually, the more information you have about your damaged home and belongings the faster your claim can be settled.
Major disasters make enormous demands on insurance company personnel.
Your adjuster generally will come prepared to do a thorough and complete study of the damage to your home. If your adjuster doesn't make a complete evaluation of the loss on the first visit, try to set up an appointment for a second visit. Be sure to keep copies of lists and other documents you submit to your insurance company. Also keep copies of whatever paperwork your insurance company gives you. Personal Belongings Make lists of the damaged items.