<prompt> Human: House bought 420 000 CAN in 2014; construction in 2005 and a new part added in 2010. Total loss to fire last week. About 15 000 loss of goods inside, feeling I have good proofs receipts, photos, etc of what I owned and how the house was built. Still waiting for the report from the insurer claims ajuster but they told me that they will probably offer to rebuild from scratch except for the foundation of the new part which they maybe want to keep. Would an investment in a private claims ajuster be of any use?  <response>: Not necessarily. Your coverage is outlined in your policy and any money you receive is limited to that. An insurance adjuster is responsible for giving you every penny youre owed, but not one penny more. The cost of a private adjuster is not likely to net any additional funds.If you think your insurance company is not honoring your policy, get an attorney. 