Some aspects of claims are easy to overlook in the rush to service insureds. When a major catastrophe hits, it is frequently an “all hands on deck” situation. Some adjusters are seasoned professionals, veterans of multiple catastrophes. They understand the delicate balance of managing an overwhelming workload while serving the interests of all stakeholders in the process.

For adjusters who have never worked a major catastrophe or done a lot of flood claims, it can be an overwhelming experience. Imagine stepping into a wasteland where damage and destruction are visible for miles in every direction.

Hurricanes Sandy and Katrina, as well as other major flood events provided some important lessons for all involved in the adjusting and restoration process. Documentation will be critical for both policyholders and adjusters. What does the policy cover? What damage was sustained? What can be replaced and what can be restored? What training is necessary ahead of time? And how to we adjust claims efficiently and effectively? Here are five factors to consider when adjusting catastrophe claims.

1. Maximize technology

“When disasters occur, both natural and man-made, we always stress to our insurance customers the importance of having the right technology applications available to be able to perform their jobs, regardless of the disaster,” says Jennifer Mangino, industry manager for the insurance solutions group at Hyland. “Something we ask insurers is, 'If a disaster occurs, will you and your representatives have the information necessary to provide superior service to your customers and claimants in their time of need? Will you be able to access data and collect the information needed to process the claims in a timely and accurate manner?'