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After property damage occurs, insurance companies assign a professional to assess the situation and calculate the claim value. This process involves inspections, reviewing estimates, and confirming coverage details. During the evaluation phase, the homeowners claims adjuster plays a central role in determining how much compensation will be offered. While experienced, they represent the insurance provider’s interests. Homeowners should carefully review all findings, ask questions, and provide additional evidence if needed. Keeping records and understanding policy terms can help prevent underpayment. By staying engaged throughout the process, homeowners can ensure their claim is handled fairly and reflects the full extent of the damage.