Simply because you have decided to invest in home insurance policy does not mean that your home and your property is completely covered should there be some kind of damage to it. No, unfortunately there are far too many cases where someone attempts to file a home insurance claim only to have it be denied for one reason or another. Usually what happens is that a home insurance adjuster visits your home and inspects the site of the damage. Then, he or she will make an assessment as to the cause of the damage and determine whether or not you should be awarded financial support to help you get your home back into shape.
A lot is riding on what the home insurance adjuster has to say, as he is the person who can really make or break an insurance claim. After all, it is his word against yours when talking to the home insurance company, and who is the insurance company always going to side with? That is right. The home insurance company will always side with the adjuster, so you really want to make sure that he sees the situation like you do. This is the only way you will be able to file a successful claim and receive the money you so rightly deserve.
In order to convince the adjuster that visits your home that your house was in fact damaged by something you are covered against, the first thing you should do is walk the adjuster around your home so that he can see first-hand all of the damage that has been caused to your home. Be sure to explain what happened to him as best you can so that he can start getting a picture of the scene even before he sees it.
Another good way to ensure that an insurance adjuster is thinking more along the line that you are is to try and make his job as easy as possible. You can do this by offering him a snack or a beverage when he arrives and cooperating with him as best you can.
Finally, never get on the nerves of any home insurance adjuster who comes to your house, as that is a surefire way of losing your insurance claim. Feel free to show the adjuster around your home, explaining to him all of the damaged areas but do not be too pushy and do not, under any circumstances, make any insulting comments about his job, his policies, or his company.