Claims Guidance

Claims Guidance

What Happens During a Professional Property Insurance Claim Inspection

When public adjusters inspect your property, we're building the foundation for your entire claim.
Metal roof

Share article:

When public adjusters inspect your property, we're building the foundation for your entire claim. Here's what our comprehensive inspection process involves and why each step matters for your settlement.

Pre-Inspection Preparation

Before we arrive, we:

  • Review your policy to understand coverage details

  • Study initial reports from insurance companies or fire departments

  • Coordinate with experts like engineers or contractors when needed

  • Plan our approach based on the type and extent of damage

The Inspection Process

Exterior Assessment:
  • Roof damage from hail, wind, or fire

  • Structural integrity and safety concerns

  • Utility connections and systems

  • Property boundary and access issues

Interior Evaluation:
  • Room-by-room damage documentation

  • Hidden damage behind walls or under flooring

  • Smoke and water damage assessment

  • Personal property and equipment losses

Advanced Documentation

We use professional tools including:

  • High-resolution photography for detailed damage records

  • Moisture meters to detect hidden water damage

  • Thermal imaging to identify heat and moisture patterns

  • Detailed measurements for accurate reconstruction estimates

What We're Looking For

Our trained eye identifies:

  • Damage insurance companies often miss or undervalue

  • Code upgrade requirements that increase rebuild costs

  • Business interruption factors affecting income

  • Additional living expenses during repairs

Expert Coordination

For complex claims, we coordinate with:

  • Structural engineers for safety and stability assessments

  • Restoration contractors for accurate repair estimates

  • Specialty consultants for unique property features

  • Forensic experts when cause determination matters

After the Inspection

We compile our findings into:

  • Comprehensive damage reports with supporting documentation

  • Accurate cost estimates for repairs and replacement

  • Professional presentations for insurance company review

  • Strategic claim submissions that maximize your recovery

Why Professional Inspection Matters

Insurance company adjusters often rush through inspections, missing costly damage that you'll have to pay for yourself. Cornerstone Public Adjusting's thorough inspection process ensures nothing is overlooked for Tennessee, Mississippi, Kentucky, and Indiana property owners.

The bottom line: A professional inspection is your foundation for fair compensation. We find what others miss.