When you start an insurance claim on your homeowners policy, the insurance company will send an adjuster to your home to review the damage. They will perform an inspection, and they may ask you questions to help determine the condition of the property before the damage occurred. This will help the adjuster figure out what the compensation should be to repair or replace the damaged property. You are also entitled to do your own research to make sure the estimates and value they provide for your property are accurate and fair.
For more information on this topic, check out this article: What Does an Insurance Adjuster Do?.