Homeowners insurance is a wonderful thing to have if you experience damage to your home that your policy covers. With home insurance, you can file a claim and the insurance company compensates you for your losses. But, you might wonder how the insurance company calculates the compensation. Typically, they inspect the property to see the damage and determine the costs to fix it. But did you know that you can also hire an independent home inspector to inspect the property?

Why hire a home inspector?

As a homeowner, you have some say in how the insurance claim works. However, you must have credible proof of the damages caused by the covered peril. You can obtain the proof you need by hiring a company to perform an independent home inspection after encountering home damages. The benefit is that the home inspector doesn't work for the insurance company. Instead, they work for you. The inspector's main goal is to determine the extent of the damages and calculate an accurate estimate for repairing the issues. Having a third party's opinion in this matter is essential.

How can this benefit you?

The primary benefit of hiring a home inspector is that they work for you. As they inspect your home, they will look at every small detail. As a result, they can determine if the insurance company's estimate is accurate or not. The end result is added protection. You have added protection because you have another opinion on the matter. You won't have to simply trust the insurance company's estimate. Instead, you can use the inspector's estimate to ensure that you receive enough compensation from the claim.

How does the process work?

After you encounter damages, you must contact your insurance company. They'll send an adjuster to evaluate the situation and create a quote for your compensation. If you hire an inspector, you'll receive a quote from them. You can use this quote to negotiate with the insurance company to ensure that you receive the proper amount of compensation for all the repairs your home needs after a peril damages it.

Learn more about home inspections after property damage

As you can see, hiring a company to perform an independent inspection is beneficial. If you would like to learn more about how this works, you can contact a company that offers home inspections. You can ask questions and learn more about the process when you contact a home inspection company.