Inspection Playbook
The carrier adjuster arrives. Here is what to say.
15 guides organized by where you are in the inspection — before, during, and the people involved.
15 pages in this collection
Before the Inspection
5Who to bring, what to prepare, and what to ask before the adjuster shows up.
- Bringing Your Contractor to the Adjuster InspectionYour contractor's presence helps ensure scope accuracy. Here is how to coordinate without overstepping.
- Bringing Your Public Adjuster to the InspectionA public adjuster at the inspection changes the dynamic. Scopes tend to be more thorough, negotiations more cooperative.
- Questions You Should Ask the Carrier AdjusterTake control of the inspection by asking the right questions. Timeline, scope details, next steps.
- Recorded Statements: Your Rights as a Florida PolicyholderCarriers ask for recorded statements. You can delay. You can have representation. Here is what to do.
- What to Expect When the Adjuster ArrivesThe first inspection visit sets the tone for the entire claim. What happens, who does what, and what to have ready.
During the Inspection
5What to say, what not to say, and what to document while the adjuster is on site.
- Documenting the Carrier InspectionYour record of the inspection is your defense against scope gaps later. What to photograph, record, and write down.
- Red Flags During Your Carrier InspectionWhen the inspection is being rushed, under-scoped, or pressure-tested, these are the signs. Know what to look for.
- Scope Sheets: Read Before Signing AnythingThe scope sheet is the carrier's assessment of what to repair and at what cost. Sign nothing without review.
- What NOT to Say to an Insurance AdjusterStatements that hurt claims. Speculation, apologies, cost estimates you cannot back up. Avoid these.
- What to Say to a Florida Insurance AdjusterThe adjuster is a carrier employee, not your advocate. Language choices during inspection echo through the claim. Here is how to talk.
People & Special Situations
5Who is actually writing your scope, what their incentives are, and what to do when things go sideways.
- Desk Adjuster vs. Field Adjuster: Why It MattersDesk adjusters work remotely from your photos and documents. Field adjusters come to your home. Different processes, different risks.
- Independent vs. Company Adjuster: Know Who Is Writing Your ScopeIndependent adjusters are contracted by the carrier. Company adjusters are employees. Both represent the carrier, but their incentives differ.
- Questions a Good Adjuster Should Ask YouA thorough inspection includes specific questions. If they skip these, they are under-scoping.
- Requesting a Re-Inspection of Your Florida ClaimIf the first inspection missed scope, you can request a re-inspection. Here is how and when.
- When the Carrier Brings in an EngineerCarrier engineers often produce reports that minimize scope or dispute causation. Your right to an independent engineer is the counter.
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