Suppose your policy doesn’t factor in general wear and tear, and the adjuster’s estimate is still too low.
In that case, you can appeal the forecast. Most insurance companies give you the option to demand the initial assessment that the adjuster made. It’s good to include photos of the damage, witness statements, and even quotes on how much it will cost to repair the damage. They may also want you to show that you have maintained your property according to all the necessary standards and regulations. Suppose the adjuster, who made the initial estimate, works for the insurance company. In that case, it may also be helpful to hire a public adjuster who can review the claim and make an independent, unbiased assessment that you can present to your insurance company as a second opinion. Make sure that the adjuster has a valid license and specializes in the loss that you are claiming.