Inspection
Scope Sheets: Read Before Signing Anything
The scope sheet is the carrier's assessment of what to repair and at what cost. Sign nothing without review.
Read this before the adjuster arrives.
The inspection is the most consequential meeting in your claim. Preparation makes the difference.
The scope sheet is the carrier's assessment of what to repair and at what cost. Sign nothing without review.
Tactical
What to do
Review every line item. Verify quantities match actual damage. Verify unit prices reflect current market. Verify depreciation calculations. Never sign "agreed scope" language until you have an independent review. If pressured, say you need 72 hours.
Checklist
Key action items
Pre-inspection checklist
- ✓Photograph everything before the adjuster arrives
- ✓Have your policy declarations page ready
- ✓Note your questions in advance
- ✓Keep communications factual and concise
- ✓Document the inspection independently
- ✓Do not sign scope agreements the same day
Free claim review
We review your policy and estimate at no cost. If we take your case, our fee only comes from the increased recovery.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details next.
Watch for these
Red flags
- RUInspection rushed under 30 minutes on substantial damage
- SIPressure to sign scope sheet or agreement onsite
- RERequest for recorded statement before documentation is complete
- FAQuick settlement offer before full scope is known
Recovery
What if they already...
If you already signed something you should not have, the 14-day rescission rights under FS 627.7152 may apply to certain documents (notably AOBs). For recorded statements you wish you had not made, you can supplement with written clarification. For scope agreements, you can request re-inspection. A licensed Florida public adjuster can review and advise.
No obligation. No fee unless recovery.
Licensed Florida public adjuster.
More inspection help
Related inspection topics
The first inspection visit sets the tone for the entire claim. What happens, who does what, and what to have ready.
The adjuster is a carrier employee, not your advocate. Language choices during inspection echo through the claim. Here is how to talk.
Statements that hurt claims. Speculation, apologies, cost estimates you cannot back up. Avoid these.
When the inspection is being rushed, under-scoped, or pressure-tested, these are the signs. Know what to look for.
A thorough inspection includes specific questions. If they skip these, they are under-scoping.
Free claim review
A licensed Florida public adjuster will review your policy and loss documentation for free.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details next.
Know the law
Related statutes
Your right to professional representation.
What carriers must do and when.
When you must file.
What the carrier owes you.
Reasonable matching requirement.
Go deeper
Related resources
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Inspection
Other inspection topics
Another inspection-day topic for Florida policyholders.
Another inspection-day topic for Florida policyholders.
Another inspection-day topic for Florida policyholders.
Another inspection-day topic for Florida policyholders.
Another inspection-day topic for Florida policyholders.
Free claim review
Licensed Florida public adjusters. Free claim review. No recovery, no fee.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details next.
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