"If I have a homeowner's claim, my second call will be to an independent professional adjustor".

Good advice Orvil. I would add that you should always find a contractor that you feel good about. Bring all 3, the independent adjuster you hired as well as the insurance companies adjuster at the home together. The contractor will be on your side, the independent adjuster and insurance company can look over each others finding and dispute the results if needed. I can assure you that if you show up prepared the adjuster will probably not try to pull any non-sense