The adjuster is trying to answer three questions: what caused the water, how long it was happening, and how much damage it did. Clear evidence on each of those is what moves a claim forward.
1. The cause
Was it sudden and accidental, like a burst pipe or failed hose, or something your policy excludes, like flood, sewer backup without an endorsement, or wear and tear? Expect questions about the source and to see the failed part.
2. How long it was happening
This is where many water claims are won or lost. Signs of long-term leaking, like rot, rust, staining layers or mold growth, can lead to a denial under the slow-leak or maintenance exclusions. Photos taken right away and a plumber's written findings help show when the damage happened.
3. How far it spread
Water travels under flooring, behind baseboards and up drywall. The adjuster looks at moisture readings and what was removed. Drying logs from your water damage company are strong evidence of how much was wet.
4. Whether you limited the damage
Your policy requires reasonable steps to prevent more damage. Shutting the water off and starting drying quickly shows you did.
How to prepare for the inspection
- Be there, and walk the adjuster through every affected area.
- Have your photos, the failed part, receipts and drying records ready.
- Point out damage they might miss: closets, cabinets, ceilings below, crawl spaces.
- Ask when you'll get the estimate, and ask for it in writing.
Remember who the adjuster works for
The company adjuster represents the insurance company. Most are fair and professional, but it's your job to make sure everything you lost is in the estimate.
Common questions
Can the adjuster deny my claim on the spot?
They may tell you what they think, but decisions should come in writing. Ask for any denial in writing with the policy language it relies on.
Is a virtual inspection OK?
It can be for small losses. For larger ones, you can ask for an in-person inspection.
Do I have to accept the adjuster's estimate?
No. You can send your contractor's estimate and ask the insurer to explain differences line by line.