~~~ it's a well-known fact (and now mentioned in the Northeast) in hurricane-prone areas such as Florida... that when an adjuster does finally reach one's property that the property owner does not have to agree and accept the adjuster's word/measures... and they can simply call their insurance company either asking for a different adjuster or to demand a supervisor come on property... and, of course, it's very important to have all contents' costs in order (when possible).

In the last seven claims I've had here in Florida in the past few years it has taken up to 30-days for someone to show up in four of them... It's also a very good idea to have someone in the building trades present; such as a general contractor or even a carpenter.

EXAMPLE 1: I had one pool screen enclosure uplifted and landing in the lake and the adjuster said it's a $20,000 loss (they normally do not mention figures)... not knowing that the company who installed the screening was standing right next to me who said it would cost $38,500 to replace the screening in Palm Beach County. The insurance company added the $38,500 to the final number.

EXAMPLE 2: In one rental unit where the roof blew off and all the major appliances got wet, one adjuster said the units were fine and would not have be replaced and only wiped dry, but I pointed out "mold" (sets in quickly) on the units' door gaskets and underside and those units were all figured into the bottom number.