Talking to your insurance adjuster after a fire

The insurance adjuster's job is to inspect the damage and review your claim for your insurance company. Being organized makes the process smoother.

Before the visit

Have your photos, inventory, receipts and the restoration company's written scope ready.

During the visit

Walk every affected area, including the attic and rooms with only smoke damage. Ask the adjuster to note smoke damage outside the burned area.

After the visit

Ask when to expect the estimate and how differences between their estimate and your restoration company's scope are handled. Keep all communication in writing.

Know your options

You can ask questions, request a re-inspection, or get your own help. Some homeowners hire a public adjuster; that's your choice.

General information, not advice for your specific policy or property. Updated October 2026.