How do i deal with a loss adjuster

A question about : How do i deal with a loss adjuster

Hi can anyone help me on the 28th december i woke up to no water i rang anglian water who came out and took up the concrete under my bathroom window outside when they reached the water pipe feeding to my house they cut it to see if i had any water coming to the house there was no water coming to the house and anglian water taped up the end of one of the pipes after being 7 days with no water it was finaly fixed. then just over a week ago i woke up to my ground floor being under water my living room rug was floating i rang anglian water who came out and also my landlord who started digging under the bathroom window to find the pipe that anglian water had cut had defrosted and water had been pouring out im was not insured then my house is a mess we had to live upstairs for a week i have 3 small children i today received a text message from a loss adjuster asking me to phone him but i have no idea what i am doing to be honest im very stressed and wondered if anyone can give me any advise on what im doing and if im going about things the right way thankyou

Best answers:

• Yes you should call a loss adjuster if you are properly insured for property as well as content. Basically loss adjusters work for the company but they will settle the claim on a fair basis. All you need to do is be patient and calm in front of a loss adjuster as he/she will ask lots of questions and its their work to ask, so that they will be able to make an exact assumption of what happened. So be patient and act smartly in front of him and all your claims will be settled by your side hopefully.
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  Total Loss Adjuster
• Hi smywalker,
  Firstly sorry to hear about your disaster. You mentioned that you called your landlord. If you are renting the property It should be the landlords responsibility to have buildings insurance. Most building insurance policies also include alternative accommodation costs if your home becomes inhabitable. Regarding the loss adjustor I would welcome this. Give them as much information as you can about what the water company did as It sounds like it is entirely their fault. My advice would be to take photos of all the damage. If you are renting do you have your own contents insurance policy? Try and salvage and dry out as much of your stuff as you can and anything that has been ruined start photographing and making lists of it as you will need all these details for claiming on the insurance. Hope that helps.
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