Major Topics of this Article Include

  • Water damage insurance company general responsibilities

  • Requesting IICRC Certified Adjustor

Homeowner Water Damage Management

Discovering water damage in your home can be a stressful experience, and it becomes even more challenging when you’re assigned an inexperienced claims adjuster. However, as a homeowner, there are proactive steps you can take to ensure that your claim is handled properly. In this blog post, we will outline important actions you can take to navigate the process effectively.

1. Document Everything: One of the most crucial steps is to document the water damage thoroughly. Take detailed photographs and videos of the affected areas, making sure to capture the extent of the damage. Keep records of all communication with the insurance company and the adjuster, including emails, phone calls, and any written correspondence. Additionally, maintain receipts and documentation of any expenses related to the water damage.

2. Seek a Second Opinion: If you have concerns about the adjuster’s assessment, consider hiring an independent contractor who specializes in water damage restoration. Their expertise can provide you with a second opinion, helping you understand the extent of the damage and the appropriate steps for mitigation and restoration.

3. Communicate Concerns to the Insurance Company: If you believe that the assigned adjuster lacks the necessary experience to handle your claim effectively, it’s important to communicate your concerns to the insurance company. Clearly articulate your concerns and request that a more experienced adjuster be assigned to your claim. Be specific about what aspects of the assessment or handling of the claim are causing concern.

4. Understand Your Policy: Take the time to review your insurance policy thoroughly. Understanding what is covered and the extent of the coverage will empower you during discussions with the adjuster and the insurance company. Knowing your policy’s provisions will enable you to ask informed questions and advocate for yourself.

5. Keep a Claim Diary: Maintain a diary of all interactions with the adjuster and the insurance company. Include dates, times, and summaries of conversations. This detailed record will be invaluable if you need to escalate the issue or if you encounter any challenges throughout the claims process.

6. Be Proactive in the Process: Don’t solely rely on the adjuster. Be actively involved in the claims process by asking questions, seeking clarification on any uncertainties, and staying informed about the progress of your claim. This level of engagement will help ensure that your interests are adequately represented.

7. Consult a Public Adjuster: Consider engaging a public adjuster to assist you with the claims process. Public adjusters are independent professionals who work on behalf of policyholders, not the insurance company. Their expertise can be especially beneficial if you feel that your claim is not being handled properly or if you require additional guidance and advocacy.

8. Seek Legal Advice: If you believe that your claim is not being handled appropriately due to the inexperience of the adjuster, and you’re not making progress through direct communication with the insurance company, consulting an attorney who specializes in insurance claims can provide valuable guidance. They can review your case and advise you on your legal options.

9. File a Complaint: If all else fails and you believe that your claim has been mishandled, you have the option to file a complaint with your state’s insurance department. Include all relevant documentation, such as your claim diary, photographs, and a clear explanation of why you believe the claims process has been mishandled. This step can help initiate a formal review and potentially lead to a resolution.

Choose Metrix over the Matter

While it can be challenging to deal with an inexperienced water damage claims adjuster, being proactive and informed will significantly increase your chances of a fair and thorough assessment of your claim. Documenting the damage, seeking additional opinions, communicating concerns, and understanding your policy are key steps in ensuring that your claim is handled appropriately. If necessary, consult a public adjuster or an attorney specializing in insurance claims. Remember, you have the right to a proper resolution and restoration of your property.

At Metrix Restoration, we understand the importance of a fair and thorough assessment of water damage claims. Our experienced team is dedicated to assisting homeowners throughout the claims process, ensuring that their interests are properly represented. Contact us today for expert assistance with your water damage restoration needs.

Requesting an IICRC-Certified Water Damage Adjuster: Understanding Your Options


When it comes to water damage claims, homeowners may have specific preferences for the adjuster assigned to their case. One common request is for an adjuster certified by the Institute of Inspection, Cleaning, and Restoration Certification (IICRC) for water damage mitigation. While homeowners can certainly express this preference, it’s important to understand that the insurance company’s ability to honor the request may vary. In this blog post, we will explore considerations regarding the request for an IICRC-certified water damage adjuster.

  1. Expressing Your Preference: As a homeowner, you can communicate your preference for an adjuster with IICRC certification. You can explain that you believe such certification would contribute to a more accurate and thorough assessment of the water damage. By expressing your preference, you open a channel of communication with the insurance company.
  1. Insurance Company Policies: Each insurance company has its own policies and procedures. Some insurers may be more flexible and open to accommodating the request for an IICRC-certified adjuster, especially if they employ adjusters with the certification. Other insurers may have limitations or may not have adjusters with IICRC certification in their network.

3. Contractual Obligations: It’s important to review the terms of your homeowner’s insurance policy. In some cases, the policy may not provide homeowners with the right to select or require specific certifications for the adjuster assigned to their claim. Understanding your policy’s provisions will help set realistic expectations.

  1. Availability of Certified Adjusters: Even if the insurance company is open to the idea of assigning an adjuster with IICRC certification, the availability of such adjusters may be limited. Depending on the circumstances and the number of claims being handled, it may not be practical or feasible to assign an adjuster with this specific certification.
  1. Exploring Alternative Options: If a homeowner is not satisfied with the adjuster assigned to their claim, they may have the option of hiring a public adjuster with IICRC certification at their own expense. Public adjusters are independent professionals who advocate on behalf of policyholders. Hiring a public adjuster with expertise in water damage claims can provide an additional level of assessment and negotiation.

Choose Metrix over the Matter

While homeowners have the right to express their preference for an IICRC-certified water damage adjuster, it’s important to understand the limitations and considerations involved. Insurance companies have their own policies and contractual obligations that may impact their ability to accommodate the request. Exploring alternative options, such as hiring a public adjuster, can provide an avenue for obtaining an independent assessment if needed. Clear communication with the insurance company and, if necessary, seeking guidance from an attorney experienced in insurance claims can help homeowners navigate the claims process effectively. 

At Metrix Restoration, we understand the importance of an accurate and thorough assessment of water damage. Our team of professionals is certified and experienced in water damage mitigation and restoration. We work closely with insurance companies and claims adjusters to ensure that your water damage claim is handled properly. Contact us today for expert assistance with your water damage restoration needs.

Links to Related Articles and Information

Why your water damage claims adjuster should be IICRC certified

Understanding the Water Damage Mitigation Claims Appeal Process

Pros and Cons of Using an Insurance Preferred Vendor for Water Damage Mitigation

The importance of IICRC certification for adjusters

Understanding Your Homeowner’s Insurance Policy: A Guide to Water Damage Coverage

Responsibility of Water Damage Insurance Companies: Water Damage and Flooding

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