Should I make any repairs to my damaged property after a storm or do I have to wait for the insurance adjuster?
In the event of damage to your property you should make only the temporary repairs needed to prevent further damage to take place.
Be sure to take pictures of all the damage and keep all of your receipts for materials used in emergency repairs. Also keep record of who made the repairs if it was someone other than you. You should not dispose of any damaged property until the adjuster has completed the inspection. The adjuster must see the damages to evaluate your loss.
NOTE: The answers to coverage questions are primarily based on ISO forms generally used in Florida by most companies. However, please keep in mind that all companies forms are NOT necessarily the same. Some companies may provide broader coverage and some may be more restrictive. IN ALL CASES, THE CONSUMER MUST REFER TO HIS OR HER OWN POLICY FOR SPECIFIC COVERAGE INFORMATION.