How to Prepare for the Insurance Adjuster’s Inspection
The carrier’s adjuster works for the carrier. Walking the inspection prepared, with your own documentation in hand, changes what ends up in the estimate.
Last reviewed July 2026. General guidance, not legal advice.
The adjuster the insurer sends is paid by the insurer. That does not make them dishonest, but their estimate reflects what they are shown and what they choose to include. Being prepared is how you make sure nothing is left out.
Before the inspection
- Have your photos, video, and damage list organized and ready to hand over.
- Get an independent contractor estimate for comparison.
- Read your policy so you know what coverages apply.
During the inspection
- Walk every damaged area with the adjuster, do not wait to be asked.
- Point out hidden damage: behind walls, in the attic, under flooring.
- Take your own photos of what the adjuster documents.
- Do not guess or speculate about cause; stick to what you know.
After the inspection
Get the carrier’s estimate in writing and compare it line by line against your documentation and contractor bids. Gaps between the two are where a claim is negotiated or supplemented.
How to Prepare for the Insurance Adjuster’s Inspection FAQs
The carrier’s adjuster represents the insurer. A public adjuster is the licensed professional who represents you, the policyholder, on a contingency fee.
Organized photos and video, a contents list, an independent contractor estimate, and your policy, so nothing is left undocumented.
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