The insurance adjuster probably thought it was an easy way to get out of paying a small, legitimate claim. I wonder what other stunts he's pulled over the years.
More than likely he was an unofficial stooge of the police. As an adjuster, he has the ability to get onto private property invited. While there, he spends his time snooping for things he has been asked to look for by one of his police pals. My advice is even when allowing anyone onto your property, control what they do....never let anyone wander around not escorted. In this case, the guy was taking pictures of plants in the back yard. My first question were I there would have been of what interest is my plants to you in this matter.
The E&O carrier for the insurance adjuster and the police will not be happy.
Wonder why liability insurance rates are high?