Read the Policy
Most folks read their policy after a claim is started...a lot of unpleasant learnings can arise. Have a detailed read thru and prepare a rebuttal to their "depreciated replacement" valuation. Many times an adjuster may be gaming you to see if you will dig into the details to get your entitlement.
Remote adjusters are just a fact of life, at least they are in North America. I know that's no consolation.
I've got an ongoing claim for a stolen vehicle, adjusters are from Ontario (vehicle) and Halifax (contents). In my case I added special coverage so have had a rental since the day after the theft and will get paid out for a new model (2023) of my lost vehicle. I had to point this out to the adjuster, since then he's been a lot more thorough
The worst thing you can do is say "Oh well", fold and accept their interpretation. I honestly believe certain companies (SGI) rely on this to grind down claims.
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