Yesterday’s post, Physical Damage is Needed to Collect for Loss of Warranty, may lead some to think that property insurance policies require “structural” or a “functional” destruction before coverage is not afforded. This simply is not true. Alterations to the physical appearance of a structure or personal property are covered so long as the cause is a covered peril.
I was going to use the word "hate," but that is too strong for everybody. The truth is that many insurance company adjusters hate some public adjusters. Public adjusters are thought of as the enemy by most insurance company claims departments. I do not think those claims departments visualize me as a white knight, either.