My insurance agent is my brother/best friend/inlaw, they’ll just take care of me

Your insurance agent is not an insurance adjuster. They have nothing to do with who your insurance carrier sends out to do the inspection. An agent’s job is to sell you a policy and deter you from filing a claim. Many insurance agents collect a percentage of your premium each year you don’t file a claim and don’t have your better interest in mind. It’s important that you have proper representation when your insurance carrier’s adjuster comes to do an inspection, which your agent has no legal say in.