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After a large disaster is there more of a reason why I should not trust the insurance carrier’s adjuster?

After a widespread disaster, insurance companies will bring in company adjusters from out of state who aren’t familiar with local costs. Adjusters from outside your area will not have a handle on how much tradespeople such as electricians or plumbers charge, or how much it costs to rebuild a house. They are also not familiar with required code upgrades and can be very inexperienced and hired and trained just for the disaster.