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Home and Property

Home Insurance Adjusters: What to Expect and How to Prepare 

The Baldwin Group
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Updated: March 28, 2025
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5 minute read

When unexpected events damage your home, your insurance policy is there to help you recover. Crucial to this process is the home insurance adjuster. When you have to make a claim, understanding what the home insurance adjuster does can help streamline your claims process and ensure you receive the fairest compensation.  

Let’s look at a hypothetical situation involving a damaged roof. We’ll walk you through what the home insurance adjuster is looking for, the questions they might ask, and how to prepare for their visit. 

Scenario: dealing with roof damage  

Imagine waking up after a severe storm to discover that high winds have torn your roof up, leading to leaks in your home. You’ve filed a home insurance claim with your insurance provider, and now a home insurance adjuster is scheduled to visit your property to take a look. 

5 things a home insurance adjuster will do 

  1. Damage assessment: The adjuster will conduct a thorough inspection of your property, paying special attention to the damaged roof, interior spaces, and any affected belongings. This assessment helps determine whether the damage is covered by your policy and allows the adjuster to understand the cause and severity of the damage. 
  2. Documentation: Armed with a camera, notepad, and measuring tools, the adjuster will meticulously document the damage. Photographs, notes, and measurements serve as important evidence when verifying your claim to the insurance company. These records help create a complete picture of the extent of the damage. 
  3. Estimation: Using industry-standard software — and their own years of expertise — the adjuster will assemble all the information gathered during the assessment to provide an estimate for the cost of repairs. This estimation will take into account things like labor, materials, equipment rentals and other expenses, forming the basis of your settlement. 
  4. Policy review: To ensure the proposed settlement is accurate and fair, the adjuster will review your insurance policy details. This review looks at coverage limits, deductibles, and any exclusions that might apply to your claim. It ensures that the proposed payment aligns with the terms of your policy. 
  5. Negotiation: Occasionally, there might be discrepancies between your initial estimate and the adjuster’s assessment. When this happens, the adjuster will work with you and your insurance company to reach an agreement on the final settlement amount. This negotiation is all about making sure your interests are represented fairly. 

Does an insurance adjuster have the power to deny coverage? 

They do. Insurance adjusters can — and often do — recommend the denial of coverage for certain claims. However, it’s important to note that the decision to deny coverage is typically made by the insurance company itself, based on the adjuster’s assessment and the terms of the policy.  

Here’s how the process generally works: 

  • Based on the assessment and policy review, the adjuster provides a recommendation to the insurance company. This recommendation may include whether the claim should be approved or denied, as well as the estimated amount of payment if the claim is approved. 
  • The final decision to approve or deny coverage rests with the insurance company. The insurance company considers the adjuster’s recommendation, policy terms, and other relevant factors before making a decision. 
  • If coverage is denied, the insurance provider will communicate its decision to the policyholder, outlining the reasons for the denial in detail. If you disagree with the decision, you may have the option to appeal or provide additional information to support your claim. 

It’s important to understand that insurance adjusters are experts who use set rules and industry norms to review claims. Their job is to make sure your claim is assessed fairly and in line with your insurance policy. 

However, if you believe your claim was unfairly denied, there are options. You can speak to the insurance company, share more details, and work to resolve it through their claims process. If needed, you can even explore legal options. 

How to prepare for a meeting with the home insurance adjuster  

To boost your chances of getting your claim approved, make sure you give precise and thorough information when you file the claim. Cooperate with the adjuster during the assessment and maintain open communication with your insurance company throughout the claims review process. 

Here are some tips for a smooth meeting with your home insurance adjuster: 

  • Safety first: Before the adjuster comes over, make sure your place is safe for inspection. If there are any dangers from the damage, like wet floors, take steps to prevent accidents while they assess it. 
  • Document the damage: Take some photos and jot down notes about the damage before the adjuster shows up. These records can be extra proof and really help if there are any differences of opinion about the assessment. 
  • Gather documentation: Have your ducks in a row by gathering key things like your insurance policy, receipts for past fixes or upkeep, and any other paperwork that matters. These papers can help the adjuster get a better handle on your property’s condition and worth.  
  • Create a list: Make a checklist of items or areas that have sustained damage. It’ll help the adjuster go through your home, making sure that everything is properly accounted for during the assessment. 
  • Stay present: Stay close by during the inspection. Your presence provides an opportunity to answer questions, clarify details, and make sure the adjuster doesn’t miss any damage. 
  • Ask questions: Feel free to ask questions during the inspection. Inquire about the adjuster’s findings, how they came up with the estimate, or anything else in your policy that you find unclear. 
  • Keep records: Take notes during the meeting to document the adjuster’s assessment, discussions, and any agreements reached. It’ll be handy as a reference in case there are any discrepancies down the road in the claims process. 

Bouncing back 

Your home insurance adjuster is a key player when it comes to getting things back on track after property damage. If you know what they do, get ready for your meeting, and stay involved, it’ll make the whole claims process go more smoothly, and hopefully, you’ll get a fair settlement.  

Keep in mind that your insurance is there to protect you and have your back, and the adjuster is also there to help you recover after being impacted by unexpected events. 

Need to file a claim? Find all the info you’ll need right here.  

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