A carrier needs to understand what happened, what the inspection supports, and what remains unresolved. That is the standard behind our fieldwork and reporting.
A photograph identifies a condition. A useful report explains where it is, how extensive it is, how it relates to the reported loss, and what supports the proposed scope. We build our approach around that connection.
Our goal is to give your examiner enough context to evaluate the findings without having to reconstruct the inspection. That means separating firsthand observations from statements, identifying limitations, and making unresolved questions visible.
Established in 1976 and led by owners Dustin Zaugg and Adam Christian, W&C brings Missouri field experience to daily claims, reinspections, underwriting inspections, and more complex assignments.
We welcome the opportunity to sit down with your claims team, understand how you want your claims handled, and develop a working approach that fits your operation.
From inspection priorities and estimating guidelines to reporting formats, communication preferences, and escalation procedures, we work with you to establish clear expectations and a practical method of handling your assignments. As your needs evolve, we can revisit that approach together.
Our adjusters remain here after the major storms have passed. W&C’s ongoing presence means you have a regional partner for follow-up inspections, supplements, unresolved questions, and the everyday claims that continue long after the initial storm response.
We are here to build lasting carrier relationships, with continuity of service for your team and the communities we serve.
Pair location photographs with close views, measurements, and captions that explain the observed condition and its significance.
Connect proposed work to documented damage, quantities, materials, and access conditions. Identify assumptions that need verification.
Identify the specific question, supporting information needed, and responsible next step when an issue cannot be resolved in the field.
Roof and exterior findings need context: material, location, distribution, surrounding conditions, and the relationship between reported damage and observed evidence.
Our inspection approach considers collateral observations, prior repairs, wear, and other visible conditions alongside the reported storm damage. When access or evidence limits an assessment, the limitation belongs in the report.
A contractor estimate or supplement deserves review at the item level. The useful questions concern quantities, repair methods, supporting photographs, material differences, and the work actually required by the documented condition.
We explain what supports an item, where additional documentation is needed, and which differences require carrier direction or specialist input.
A mitigation review should connect billed services to the documented conditions and work performed. Depending on the assignment, that may include photographs, moisture records, equipment placement and duration, labor detail, and the drying timeline.
Preliminary estimates, agreed cost parameters, changes in scope, and communications about additional work provide context. Missing records and unexplained differences should be identified for follow-up.
The insured’s account, the sequence of events, affected areas, emergency work, and contents handling can shape the later evaluation. Early interviews and organized photographs help preserve that information.
Where requested and appropriately authorized, a recorded interview can support the file. Potential evidence-preservation or recovery issues should be brought to the carrier’s attention so designated specialists can be involved.
A reinspection needs a defined question: a newly reported area, a disputed condition, a quantity difference, or work added in a supplement.
Compare the prior documentation with current observations, identify changes in conditions, and explain whether new information supports a change in scope. Keep the reasoning visible even when the original finding remains unchanged.
Underwriting needs a clear picture of the property as inspected. Locate and describe visible maintenance concerns, condition issues, and risk observations with photographs that show both the detail and its setting.
Distinguish observations from information supplied by others, and flag areas that were inaccessible or require further evaluation.
A useful status update identifies the issue, its effect on the assignment, and the next action. Contact attempts and inspection dates matter. So do access problems, conflicting accounts, missing records, and material scope changes.
For insureds, our emphasis is clear expectations: explain the inspection process, describe what information is needed, and distinguish the adjuster’s work from decisions reserved to the carrier.
Discuss your account requirements with us so the assignment begins with shared expectations.
Separate added areas, changed quantities, different repair methods, and pricing questions so each issue can be evaluated on its own.
Compare the requested work with the inspection photographs, measurements, prior scope, and any new contractor documentation. Identify where another inspection or specialist review may be needed.
Explain which changes are supported, which remain unresolved, and what additional information would address the gap. The same standard of support applies whether the scope increases or remains unchanged.
Tell us where you need support. We’ll help confirm the right service, territory, and next step.
Submit an AssignmentWickizer & Clutter, Inc.
Independent Insurance Adjusters
Established in 1976
Call: 800-299-8070
Assignments: newclaims@w-cclaims.com
Proud Member