Who typically evaluates the extent of damage after a property loss?

The insurance adjuster typically evaluates the extent of damage after a property loss. This specialized professional is responsible for assessing the situation to determine the value of the loss and the insurance coverage applicable to the claim. The adjuster conducts a thorough inspection of the damaged property, gathering evidence, taking photographs, and sometimes interviewing witnesses or insured parties to compile a complete understanding of what occurred.

In doing so, the adjuster will analyze the specific policy provisions to ensure that the claim is evaluated properly, taking into account any coverage limits, exclusions, and endorsements that may apply. This assessment is essential for determining how much compensation the insured is entitled to receive based on their policy.

While a property restoration company can provide estimates related to the cost of repairs and a contractor can give insights into the work needed to restore the property, these professionals do not have the authority to make decisions about the insurance claim itself. A homeowners association is primarily responsible for managing the community and may not be involved in the individual claims process for property losses.