Well, you are in a classic problem with clean-up. The Insured acted on the advice of the original adjuster whose responsibility it was to correctly document the claim. From the carrier's point of view (in general here, not necessarily TWIA), the original adjuster's vendor is on the hook for producing that documentation/photos from the original adjuster. If they can't produce that and the Insured doesn't have documentation because he/she acted in good faith and began repairs, the Insured is owed his loss and the original adjuster and/or the vendor is on the hook through subrogation to pay those now undocumented portions of the claim. This is the exact reason why everyone needs Errors and Ommissions coverage individually -- rather than relaying on the vendor's E&O. The vendor's E&O carrier could deny this claim leaving the original adjuster to pay the bills out of his own pocket.
If you are working for the same vendor as the old adjuster you better take this problem up with senior management because they may well have a financial interest in these claims. Get their response in writing, work the file as they direct and put a copy of that response in each of your personal files for future reference if any of these blow up in your face. If they won't give it to you in writing, document the conversation word for word, mark the date and time and person who told you, sign it and fax it to yourself so there is a date stamp on the sheet.
If you aren't working for the same vendor as the original adjuster, take it up as high as your vendor can with TWIA and get their response in writing and attach it to every file you upload and work the files as they direct.
I had one in Florida as an examiner where the adjusting firm was on the hook for over $50,000 of contents because of this same issue.
They may want you to take a Non-Waiver on these files, if so, have them tell you exactly what they want the Non-Waiver to say -- don't guess at it and write it up yourself, there's too much at stake here.
KLS