What Should You Do If Your Adjuster Misses Damage?

If you suspect your adjuster missed damage, your first step is to document everything thoroughly. Take clear, timestamped photos and videos of all affected areas. Capture walls, floors, ceilings, and personal property. Write detailed notes describing the location and extent of the damage you believe was overlooked. This evidence is critical for your discussion with the insurance company. Do this before any cleaning or temporary repairs are performed.

Consider hiring local water damage pros for an independent assessment. Their detailed report can serve as a powerful, unbiased document to support your claim. This report should outline the full scope of necessary repairs, including any structural or hidden moisture issues. A professional evaluation carries significant weight when challenging an adjuster's initial findings.

• Request a full moisture mapping and inspection.
• Ask for a written scope of work and cost breakdown.
• Ensure the report notes the cause and category of water.
• Have the professional detail potential secondary damage, like mold.
• Include photos from the professional's assessment in your packet.
• Keep all receipts for the assessment for possible reimbursement.

If the insurer denies your supplemental claim, you have several paths. You can request a re-evaluation by a different adjuster. For a significant dispute, you may hire a public adjuster. Consulting with a qualified attorney who specializes in insurance claims is another option to understand your rights.

• Formally appeal the denial in writing with all evidence.
• Ask for a detailed explanation of the denial in writing.
• Check your policy for an appraisal clause for dispute resolution.
• File a complaint with your state's department of insurance.
• Keep all communication records, including emails and claim numbers.
• Remember: Policies vary, and your insurer decides what is covered.