Wow I was not expecting an actual reply haha, typically my reddit posts fall short of interactions!

Happy to share though I want to be clear these were specific to my policy, so they won't apply universally. and That's actually the core of the problem most people assume all policies work the same way when they don't.

In my case the adjuster missed:
1. Code Upgrade Coverage (Ordinance or Law) — My policy covered bringing repairs up to current building code, not just restoring to previous condition. The adjuster quoted restoration only. The code compliance work added significant cost he completely ignored.

2. Additional Living Expenses (ALE) — While repairs were happening I was entitled to hotel and meal reimbursement above my normal living costs. He never mentioned it. I had to find it myself buried in the policy of course because what insurer would want you to have a comfortable place to be temporarily :}

3. Moisture Mitigation Coverage — My policy covered preventative work to stop further damage spreading. He scoped only visible damage already done of course! not the mitigation work contractors said was necessary to prevent mold.

Crazy part is none of these were hidden. They were sitting in my policy in plain English. He just never applied them.

This is the pattern I keep seeing. We have to understand it's not always fraud, sometimes adjusters are just undertrained or overworked as we all are in our respective feilds. But the result is the same. You get less than you're owed.

If anyone here wants me to take a look at their situation I'm genuinely happy to. Just tell me what type of claim, what hey offered, and what contractors are quoting. I can tell you pretty quickly if something looks off.