By Restoration Advertising · 09/29/2026
The Adjuster's Visit and Choosing Your Restoration Company
What an insurance adjuster does, how to prepare for the visit, and why you usually get to choose your own restoration company even when your insurer suggests one.
This is general information, not legal or coverage advice. Policies and state rules differ, so read your own policy and ask your insurer or agent what applies to you.
What does an adjuster do?
An adjuster is the person who evaluates your claim for the insurance company. They inspect the damage, take photos, review your policy and estimate what the repair should cost. Some work for the insurer directly, some are independent adjusters the insurer hires, and after a large storm the visit can take a while to get scheduled.
An adjuster's estimate is a starting point for the conversation, not necessarily the final word.
How should you prepare?
- Have your photos, video and inventory ready (see documenting your loss).
- Have your policy and your claim number handy.
- Be there in person if you can, and walk the adjuster through every affected room, including the ones that look fine.
- Write down what the adjuster says and who said it, and ask when you should expect the written estimate.
Questions to ask the adjuster
What is covered, and what is not?
Ask them to point to the part of your policy. Get anything important in writing.
What is my deductible?
And how it applies to this loss. Some policies have separate deductibles for wind, hail or water.
When will I get the estimate?
And a copy of it. You are entitled to see how the number was reached.
What if we find more damage?
Hidden damage often turns up once walls are opened. Ask how to report it and how it is added to the claim.
Do you have to use the restoration company your insurer suggests?
In most cases, no. Insurers often have companies they work with, and a suggestion can be convenient because the company is already familiar with the process. But in most places the choice of who works in your home is still yours, and you should not feel pushed. Rules differ by state and policy, so ask your insurer directly and get the answer in writing if it matters.
Whoever you choose, judge them the same way: licensed and insured where you live, willing to give a written estimate, and able to document the work with photos and moisture readings. A company that will talk to your adjuster and share that documentation makes the claim easier.
What if your estimate and the adjuster's do not match?
That happens, especially when hidden damage turns up. Ask the adjuster to explain the difference line by line. A restoration company or contractor can send the insurer a written explanation with photos, often called a supplement. If you still disagree, your policy may have an appraisal process, and your state's department of insurance can tell you what your options are. Some people hire a licensed public adjuster, who typically charges a percentage of the settlement, so ask about fees before you sign.
What deadlines matter?
Policies often set time limits for reporting a loss and sending a proof of loss form. Ask your insurer for the dates, put them on a calendar, and keep records of what you sent and when.
You can browse water damage restoration companies in the directory. The directory lists companies and does not vet or rate any of them, so ask the questions above of every company you call.