Swollen Wood Floors. If water has been on your wood floors for any length of time you will probably experience swelling. Sometimes the swelling can be dried out if you address them quickly with a mitigation company. However, many times the damage is too far gone. The pressure of the swelling wood can crack baseboards, damage cabinets and countertops, and even ruin paint. Is your insurance carrier's adjuster going to include these items into your estimate? What about the appliances and back splash? Can the cabinets be detached and reset? How do supplements work? A public adjuster works with your contractor to make sure all the line items in your estimate are accounted for. This needs to be done before submitting your proof of loss to the carrier. Without it being done correctly many items in the estimate will be lost and not paid for correctly.