A major storm just hit New Orleans, and your home took the brunt of it. Once the immediate danger passes, the next big step is filing an insurance claim. That’s where your insurance adjuster comes in – and how you handle that relationship can make the difference between a smooth claim and a stressful one. At Riverbend Renovation, we’ve helped countless homeowners navigate storm damage claims. Here’s how to work effectively with your adjuster and maximize your chances of getting the coverage you deserve.
Report Damage Quickly
Most insurance policies require you to notify them as soon as possible after a loss.
- Call your insurance provider within 24–48 hours of discovering damage
- Get a claim number and write down the name of your adjuster
- Keep all communication in writing or documented for your records
Have an insurance claim? Check out our Insurance Claims page.
Document Everything Before Cleanup
Insurance claims live and die by documentation.
- Take clear, dated photos and videos of all damage, inside and out
- Include wide shots to show context and close-ups for detail
- Save any receipts for temporary repairs like tarps, plywood, or pumps
Riverbend tip
Even if damage looks minor, document it – small issues can grow over time.
Understand the Adjuster’s Role
Your adjuster works for the insurance company, not for you. Their job is to assess the damage and determine what the policy covers.
- Be polite and professional, but stay factual
- Avoid speculating about the cause of damage – just describe what you see
- Don’t sign or agree to anything on the spot if you’re unsure
Riverbend Tip: Never argue over price with your adjuster. Stick to discussing the scope (what's covered vs. not covered) of the loss.
Have Your Contractor Present
An experienced contractor can be your best advocate during the inspection.
- They can point out damage that might otherwise be overlooked
- They understand building codes and repair requirements in New Orleans
- They can provide an itemized estimate that meets industry standards
Review the Adjuster’s Report Carefully
Once the adjuster completes their assessment, you’ll receive a written estimate.
- Compare it against your contractor’s scope of work
- Check that all damaged areas are included
- If something’s missing, request a supplemental claim with additional evidence
Riverbend Tip: Do not negotiate against yourself - your insurance estimate is based on a database that is controlled by the insurance industry. Local contractors are more qualified to know what local pricing should be.
Know Your Rights and Policy Limits
Every policy is different, so review yours carefully.
- Check coverage for wind, hail, flood, and contents separately
- Know your deductible and any limits for specific categories
- Understand timelines for filing appeals or supplemental claims
Stay Organized from Start to Finish
The more organized you are, the easier your claim will move forward.
- Keep all claim-related emails, letters, and forms in one place
- Maintain a log of dates, times, and conversations with your adjuster
- Save all contractor estimates, invoices, and receipts
Riverbend Renovation Can Help
We work with homeowners and adjusters every storm season. From initial assessment to final inspection, we help ensure repairs are done right – and that the scope matches your home’s needs. 📞 Need help with storm damage repairs or an insurance claim? Call Riverbend Renovation at (504) 215-8825 or visit www.riverbendrenovation.com