When the insurance adjuster comes: what to expect at the inspection

When the inspection happens

Once you report a claim, the insurer begins its investigation. Under section 627.70131 of the Florida Statutes it must start within 7 days after receiving proof-of-loss statements and complete any physical inspection within 30 days after receiving them. Some insurers inspect in person; others use photos, video calls or drones, which the law allows.

Who you are dealing with

The adjuster may be an employee of the insurer or an independent adjuster it hired. Either way, Florida law requires the adjuster to give you a printed or electronic document with their name and state adjuster license number at a physical inspection. Later communications about the claim must also include the name and license number of the adjuster writing to you.

How to prepare

A little preparation helps the inspection cover everything:

• A written list of every affected room and area, including the ones that seem minor
• Your photos and videos from before any cleanup or repairs
• Damaged materials you kept, set aside where they can be seen
• Receipts for emergency work such as water extraction, drying or tarps
• Reports from plumbers, roofers or mitigation companies

During the visit

Walk the adjuster through each area on your list and point out hidden or secondary damage, such as swollen baseboards, stains inside cabinets or damage in the attic. Take your own photos of what the adjuster inspects and write down what they say and the date. Answer questions accurately; if you do not know something, say so instead of guessing.

After the visit

Florida law requires the insurer to send you a copy of any detailed estimate within 7 days after its adjuster generates it. Compare it with your list: missing rooms, materials or line items are common. You can also ask the insurer for the list of adjusters who have communicated with you, which it must keep and provide on request.