90-minute on-site guaranteeFree inspectionsFree leak detection24/7 emergency responseFull insurance claim management90-minute on-site guaranteeFree inspectionsFree leak detection24/7 emergency responseFull insurance claim management
Mostly referee. The adjuster’s job is matching your loss to your policy’s language. Your job is making that easy to do in your favor.
Every claim is different
Every loss is unique, and what your policy actually pays depends on three things: your specific coverage, how quickly the damage is reported and mitigated, and the documentation package your insurer receives. Treat this guide as education, not a coverage promise. We help homeowners get all three right, starting with the first call.
The company adjuster (or the independent one hired by your carrier) works for the insurer, that’s just true. It doesn’t make them your enemy: most are professionals processing dozens of files who approve what’s documented and question what isn’t. The practical takeaway isn’t suspicion; it’s that the file does the arguing. An adjuster can defend a well-documented scope to their desk reviewer; they can’t defend a story.
Be present, point out everything on your list, and answer factually, “I found it Tuesday morning” beats theories about how long it leaked. Don’t minimize (“it’s probably fine” costs money) and don’t inflate (it costs credibility, which costs more). If our crew ran the mitigation, we’ll walk the adjuster through the moisture maps and drying logs directly, most scope questions die right there.
Adjuster visit scheduled? We’ll walk it with you
No pressure, no truck rolled, just an honest read on your situation.
Within a day or two of filing you get a claim number and an adjuster assignment. Save both. Mitigation shouldn’t wait for either.
Usually inside the first week. Your day-one photos and our moisture maps do the talking; be there if you can.
The Xactimate scope arrives with an initial check, often at actual cash value with depreciation held back until repairs finish.
Rebuild proceeds. Anything the scope missed gets documented before it’s covered up and filed as a supplement, normal and expected.
Submit completion receipts to release recoverable depreciation. The claim closes when the money matches the work, not before.
Disagreement is a process, not a fight: ask for the specific policy language behind any denial or reduction, submit documentation that answers it, and use supplements for scope gaps. Escalation ladder: re-inspection → supervisor review → appraisal clause → the Utah Insurance Department. Most disputes settle at step one or two when the paperwork is strong, and if a claim is denied outright, the denial guide covers the playbook.
Adjusters work in policy language. Borrowing a little of it, honestly, keeps your file in their fast lane. (More vocabulary, translated: the glossary.)
“Sudden and accidental.” The coverage trigger. Use it when it’s true; it’s the exact language the policy pays on.
“Duty to mitigate.” Why drying started before the adjuster arrived. It’s their rulebook, cited politely.
“Per the moisture log.” Ties any request to a documented reading instead of an opinion.
“I’d like that in writing.” Turns positions into commitments, kindly.
“Supplement.” The professional word for “the estimate missed something,” and the process built exactly for it.
Talk to a real person, free
No pressure, no truck rolled, just an honest read on your situation.
Five-minute callback, honest advice, zero obligation. That’s the whole pitch.
Keep your phone nearby. If water is still spreading, shut off the main valve now, it’s usually in the basement or crawl space, on the street-facing wall.