What to Document Before the Adjuster Comes to Inspect the Damage
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Why Documentation Matters
The adjuster's inspection helps set the value of your claim. What you document before that visit can support your case. Good records make it harder for the insurer to dispute what happened.
What to Document Today
- Take photos and video of all damage, from multiple angles, before you touch anything.
- Keep any items damaged beyond repair, if it is safe to do so, until the adjuster sees them.
- Write down the date and time the damage happened, and how you noticed it.
- Save receipts for any temporary repairs you make to prevent further damage.
- Keep copies of every letter, email, or text message from your insurer.
Getting Ready for the Adjuster's Visit
- Make a simple list of damaged rooms, items, and areas, in the order you want to show them.
- Note any damage that is hidden, such as inside walls or under flooring.
- Have your policy number and claim number ready.
- Ask the adjuster for a copy of their report and notes after the inspection.
If the Claim Is Delayed, Underpaid, or Denied
Florida law sets timelines for insurers to respond to claims, but the exact deadlines depend on your policy and the type of claim. Confirm the deadlines that apply to your case with your insurer or a licensed professional. Keep your own documentation in case you need to challenge a decision.
What This Guide Cannot Tell You
This page is not legal or adjusting advice. It does not know your policy terms, your specific deadlines, or the details of your damage. Always confirm specifics with your insurance company, a licensed adjuster, or an attorney.
What to Do Next
Claim Coach reads your own document and the numbers on it. Paste in what your insurer sent you, or describe your damage, and get the Florida claim timeline with the deadlines that apply to you and to them, plus a documentation checklist matched to your situation.