What should you do before, during, and after an adjuster visit?
Written by Andy Kruger
BuildSOS CEO5 min read
The short answer
Before the visit, gather your documentation and know your coverage. During the visit, walk the adjuster through every area of damage and don’t minimize anything. After the visit, review the settlement offer carefully before accepting it. Homeowners who prepare and stay engaged through this process consistently get fairer, faster settlements than those who don’t.
This is general information, not legal or financial advice. Check your state Department of Insurance or consult a professional for guidance specific to your situation.
Why preparation changes the outcome
Clear communication and good documentation help your claim move faster. Homeowners who go in unprepared, or who don’t fully understand their coverage, are more likely to face delays, disputes, and settlements that fall short.
The adjuster isn’t the enemy, but they’re also not working only for you. Being organized and present is what levels the field.
Before, during, and after the visit
Before
- Gather your pre-disaster documentation: your 8 photos and asset list, if you have them
- Review your policy so you know your coverage limits and deductibles
- If possible, get a repair estimate from a verified contractor first
- Ask your contractor to join the visit if they’re available
During
- Walk the adjuster through every area of damage, room by room
- Don’t downplay anything, even damage that seems minor
- Ask questions. It’s your right to understand what’s being assessed and why
- Take your own notes on what the adjuster says and does
After
- Review the settlement offer carefully against the damage you documented
- If the offer feels low, you can negotiate. Bring additional evidence or documentation to support your case
- Keep a record of every call, email, and letter with the insurance company
- If you hit a wall, a public adjuster or legal counsel who specializes in insurance claims can help
Frequently asked
Do I have to accept the first settlement offer?
No. You have the right to negotiate if you believe the offer doesn’t reflect the damage. Bring documentation to support a higher figure.
Should my contractor be there during the adjuster visit?
It helps. Having your contractor present means everyone is looking at the same damage and working from the same understanding, which can speed up agreement on repair scope.
What if I don’t understand something the adjuster says?
Ask. The adjuster’s job includes helping you understand the process, and it’s better to ask in the moment than to guess later.
About the author
Andy Kruger
Andy Kruger is CEO of BuildSOS, author of When the Storm Comes, and sits on multiple boards and advisory groups shaping disaster resilience policy and research.
About Andy