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An insurance adjuster is accountable for judging the damage to your home for the insurance company. The adjuster will take a recorded statement from you, give you an advance so you can buy new clothes, set you up in a rental unit if your house is unlivable, and generally explain the claim process.

Ask the adjuster for a complete copy of your insurance policy since the policy sets out “the rules of the game.” Also ask for a copy of your recorded statement and a written list from the adjuster of what steps you need to take to move the claim forward.