When faced with a large or complicated insurance claim, an insurer will often send out a loss adjuster, an independent claims specialist, to assess the situation.
Given the potentially very large size of your claim, you might consider appointing a loss assessor to represent your own interests in negotiations with the loss adjuster and insurer.
They stated there was weak oversight and controls over outsourced claims handling or loss adjusters and in isolated incidences there was potentially unfair settlement.