Working with an adjuster and provider

Identify the role rather than only the title

Ask whom the person represents and what they are authorized to do. Alberta Insurance Council describes licensing for independent adjusters and an exemption for insurer employees. Verify the actual role and applicable requirements rather than assuming every person follows the same licensing route.

A contractor’s estimate, a specialist’s finding and an insurer’s coverage position can be separate documents. Ask which one is being provided and which decisions remain with someone else.

Compare scopes on the same items

Use room and item IDs to discuss a difference. Ask whether the disagreement concerns extent, material condition, method, price, coverage or missing information. That makes the next action more precise than a broad statement that two estimates differ.

Request the basis for the actual decision in writing. Keep supporting photographs, test reports, item lists and approved revisions connected to the disputed work item.

Keep authorizations explicit

Use deadlines from the actual claim

Policy and legal timelines can matter, but this site does not calculate them. Ask the appropriate insurer or adviser to identify the applicable deadline and required action for the specific matter. Preserve that instruction and act through the appropriate process.

References and scope

1. Wildfires and property insurance — Government of Alberta.
   Policy wording and limits vary. Coverage, valuation and payment decisions require the actual policy/claim.
2. Adjuster licensing and exemptions — Alberta Insurance Council.
   Independent adjusting licensing; insurer employees have an exemption. Check the exact professional and role.

Source links checked September30,2026. General guidance and original planning questions do not establish the condition, exposure risk or clearance of a property.