In the two cases we've had where we had to work with our insurance company's adjuster we found them to be very fair, thorough, and had a positive experience. We were allowed to dispute their findings and even request the claim to be re-opened once it was settled.
However, we documented everything, saved every receipt, letter, and form we we received, read the fine print, and asked a lot of questions. It's hard to keep track of everything you're being told when you're stressed out by a major issue with your home. I'd imagine the insurance adjusters have a very difficult job.
Yes, adjusters have to protect the insurance company but the insurance companies also want to keep their customers.
I feel bad for anyone who loses their home to a fire.... as dry as things have been lately, it's amazing that this didn't spread into the woods more. Kudos to the local fire departments for keeping this one contained!
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