Building Damage Identify the structural damage to your home and other buildings on your premises, like a garage, toolshed or in-ground swimming pool. Make a list of everything you would like to show the adjuster when he or she arrives - for example, cracks in the walls, damage to the floor or ceiling and missing roof tiles. If structural damage is likely even though you can't see any signs of it, discuss this with your adjuster. In some cases, the adjuster may recommend hiring a licensed engineer or architect to inspect the property. You should also get the electrical system checked.
Most insurance companies pay for such inspections.
If possible, get written bids from reliable, licensed contractors on the repair work. This makes adjusting the claim faster and simpler. Give yourself several days before the adjuster arrives to complete your list. It will take time to assess the damage. Although you can always notify the adjuster of any additional items you overlooked, this may delay the settlement of your claim.