Could be one of 2 things. He's trying to set you to low ball it (common practice but illegal in some states) or preparing you for him to total it.
1. READ your policey. See if you are under insured and if you have replacement cost value (some people insure older buildings that are in poor shape hoping to have a loss and get a "free" replacement).
2. Be there when he inspects it. Don't try to talk the building up, just let the adjuster do his job but you being there to point things out will let him know that you are interested in protecting yourself.
3. Have your policey with you! If you have any questions about it ask hin if he has the time. Adjusters very often know more about insurance and the laws of your state than an agent. Mn for example only required about 6 weeks of training to be an agent when I was adjusting. An independant adjust had a very detailed test to pass. I'm still surprised that I know far more about Mn insurance laws than most agents I know.
4. If you don't agree with the estimate you can get one from a contractor at your cost. You can also seek arbitration if you don't agree to a proposed settlement.
Don't be real surprised if you get a fair deal too. Some adjusters are real jerks and others do a good job for both the company and the insured.
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