having been there with insurers on a major flood, I share your frustration.
first of all the loss adjuster is there to minimise the claim value - not to look after you. Loss assessors can work for you but they're just as parasitic as loss adjusters and will charge you pounds!
Second, don't worry about the arrangements between builders and loss adjusters. If there are backhanders it is not out of your pocket. BUT make best friends with the builders when they turn up because if they want to do extra and say " it must be done because of Blah, blah" it is very hard for the loss adjuster to say no.
THird, the loss adjuster should be arranging for site clearance, building quites etc. that's what you pay for. If he is not then write to the insurer, not the loss adjuster and complain that he is frustrating the claim and if it continues you'll place a formal complaint with the insurer and the insuance ombudsman. ( They hate the latter because no matter who's at fault, the insuer has to pay for it.)
in terms of content, create an inventory or everything and identiy its replacement at full market value ( i.e. internet order including delivery or high street price). Accept cash settlement to full market value only.
I have 3 months of blazing rows with a loss adjuster, he finally realised the only way of getting the job done and getting an easy life was agreeing to reasonable demands. (from his point of view he ended up working evenings and weekends to respond to me which he hated - found out it was easier to agree). I also made sure that the claim was 100% true so he could not block it anywhere.
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Topic: Who clears building rubble (Read 4678 times)