It has been said, that a home is like a castle. This may not be entirely accurate as castles have taken quite a hammering at certain points in history. If one looks at the problem that befell Vlad Draculaís castle in Transylvania, a siege upon the castle led to part of the castle crumbling and part of it falling into the ocean. Dracula was never known for having all that great of a disposition, but the fact that there was a great deal of hidden gold in the part of the castle that fell into the ocean probably made him even surlier than he was before the siege. (No, the treasure has never been found and the Transylvania government has barred treasure hunters from looking)
Now, no oneís home will ever be have a siege befall it, but damage may occur and an insurance claim will need to be filed. This may result in a visit from an home insurance adjuster. A home insurance adjuster will examine an insurance policy and see if the policy will allow a homeowner to recover monetary payment under the conditions that led to the damage occurring. As such, the importance of a home insurance adjuster can never be underestimated.
It is incredibly important that a homeowner not allow an insurance claim to go forward if a knowledgeable home insurance adjuster has not looked it over. To send a claim forward without someone properly examining it may yield a very unfortunate result: the insurance payment may end up being reduced or even dismissed. Many times, this happens when the claim should have been easily approved.
Play it safe and have an experienced, licensed home insurance adjuster solidify the claim so that the money that the homeowner is entitled to is received. To do otherwise would be grossly negligent and the person who suffers will be the homeowner, hence, defeating the purpose of even having an insurance policy.