The first thing to do is hear the adjuster out ! Adjusters are just people . Some insurance companies have in house adjusters , some hire outside contractors . I have done jobs for companies that I have never heard off . We just punch numbers and pictures into a laptop and send it to Omaha or Oshkosh . Give the insurance company a chance . Your trailer will be totaled , they are not going to skin it and roof it . Why do many people assume all adjusters , all lawyers , all police , everybody except them selves are crooks !