Typical inspection sequence
- Introduction and claim ID confirmation
- Exterior walk-around with photos
- Interior walk-through (each affected area)
- Measurements
- Sketch notes (often Xactimate sketch on tablet)
- Contents spot-check
- Policyholder interview
- Recap and next-steps
What adjusters document
- Photos of damage (often only the visible)
- Measurements of affected rooms
- Cause-of-loss narrative
- Coverage determination preliminary
- Scope bullet points
What adjusters often miss
- Hidden damage behind walls, cabinets, under floors
- Attic or crawl-space scope
- HVAC / electrical scope
- Full contents
- Code-upgrade triggers
- Matching-statute implications
Be present
Your physical presence at inspection:
- Ensures every area is seen
- Lets you point out hidden damage
- Documents the adjuster's findings in real time
- Creates the opportunity to provide your own photos
Follow up in writing
Same day after inspection, email a recap:
- What was shown
- What you discussed
- What's agreed on so far
- What you'll follow up with