My Insurance Company is trying to cheat me?


Let’s be honest, anyone who has had an insurance claim has had this or similar thoughts running through their heads. For many years, insurance companies have done things to catch a bad rep. I’ve been in the insurance restoration industry for the last 10 years, and at this time I can honestly say that I have rarely met adjuster or contractor who wanted to skimp on the settlement. The few times I’ve seen this is when the policyholder has been very difficult to work with. Yes, bad plans happen, however, most of the time feeling to be “shortened or traitor” comes from not understand the strategy and how it pays out.

The biggest misconception is usually the case of matching. Coverage specifically by using terms and phrases to prevent matching. coverage homeowner is to replace the damaged part with the kind and quality as well. However, as the homeowner and the contractor I often do not agree with this and I will fight it to the best of my ability. To explain this strategy is easiest to give you a situation where you will most likely run into this situation. Let’s say you have a flood where the carpet needs to be removed in the hallway. The same carpet runs throughout the world. The living room opens and connects directly to the hallway with the same carpet and you have 3 bedrooms directly off of the hallway and office with French doors off the living room. The carpet in the hallway and the living room will be replaced, but the carpet in the bedroom and the office will most likely not be replaced as most insurance are written to the risk of doorways.

The situation is usually a kitchen cabinetry. If water damage lower kitchen cabinets (or fire, the part you) most insurance companies will allow replace damaged interior run (meaning any drops or all of the parts). If you are a specialty / custom cabinets that you will most likely be given a custom price to restore this run of cabinets to match what was there. Very rarely match the kitchen cabinets probably these days, though it is not impossible. Over the past 25 years, there are hundreds of cabinet style and specialty finishes, from dozens of manufacturers. Unless you changed recently kitchen, it will take countless hours of research to find a cabinet manufacturer that made your cabinets (a good place to find the manufacturer is within the door. Let’s say you’ve managed to find a manufacturer, business risk usually line in 4-7 years, or they make major changes to it. above potential on discontinued the case, it is very likely that factors have changed the finish on the interior. Perhaps contractor has pointed out issues to your adjuster, by the difficulties they may add the extra money to allow to get a match, maybe a custom cabinet

This is where you have several options :.

1) you can take the budget and get quotes from cabinet positions in cheaper cabinet to replace all the interior. Remember that using less expensive items elsewhere in the structure that you have money to allocate to new cabinetry budget.

2) You can certainly create a unique custom kitchen to find the complete opposite cabinet to replace your drops or the segments. It is very common today to mix cabinetry finishes to give a unique custom look to fit your style. For example, let’s say cabinets are cherry cabinet spot in shaker style. You could go with additional colored or painted finish cabinetry, perhaps in antique white or black.

3) If mix / match is not your style consider paint treatment. The best example of this is my fire and I did in Durham, NC 2007; My client had a small grease fire that scorched finish at 3 of its upper cabinets above the stove her. The insurance company allowed time these upper cabinets. She was not happy with it. (Now to be fair, this was a very smart professor at Duke University and as soon as the fire happened she began to dream of a new kitchen of her.) When I broke down the plan in our budget for cabinets that she was very disappointed. She wanted her new kitchen. I instead of 3 damaged parts of cabinets with unfinished pieces stock that match the style and repainted all the dated oak cabinetry her new beautiful modern black. We added new hardware, repainted walls and I was able to get new countertops for it, by choosing the cheaper replacement floor. Within two weeks she had a brand new remodeled kitchen with nothing more than the deductible out of her pocket.

4) You may order the cabinets to match existing cabinetry and if they do not fit properly can go back to the insurance company and have them come back out to assist you with other options. PLEASE NOTE: If you plan to put the kitchen to get different than what you had and you choose to try to match the existing interior and fail, the insurance company is not going to pay to replace the recently replaced the cabinets again. Do not go out and get cabinets that clearly will not be fit to cabinets and then call the insurance company and say “I tried to match the interior, but they do not match.” This is fraud and you may have to pay.

The best advice I can give anyone is to understand your strategy. Look at the statements site carefully. Leave your review. If there are any changes in your household update your insurance as necessary, to protect your home, you and your family.

Understanding your claim can be both easy and confusing. It’s easy if you listen, take notes and ask questions (both your insurance company and contractors). I have seen homeowners become completely befuddled with claim when they try to make sense of it without knowing enough or by trying to break down the food line item by item and add up the totals for “inspection” of the contractor or adjuster. Just remember that life is upset when it is least convenient. It is never a good time to have to submit an insurance claim. However, life is unpredictable and it will beat you in the face when you have all the balls in the air. I recommend to all my clients to get a spiral notebook or notepad as soon as they need to file a claim. Write down if you are like everyone else as soon as you think about the question for you to adjust you will forget his name losing their contact information and / or claim number. Keep track of all. Start collecting images of things you want it to be replaced, it is good to dream but do not be unreasonable. Do not assume that because something was wet it will be replaced. Carpet is one of the most argued points. Most homeowners assume that because the carpet was wet for several hours before it was discovered that there will be a requirement that Unsalvageable. In general, Class 1 / Class 1 (pure water) loss most carpet can and will be saved. Repair companies are highly trained to dry these items. The carpet is divided as a last resort. It may need to pad in place and restretched / rekicked and clean but in rare cases it requires time. Delamination is reason to switch. Delamination is the primary and secondary carpet backing separate. One of the favorite arguments for my carpet time was from one of my homeowners in Virginia who said her carpet was not wet before and it should be replaced. I had to laugh inside when she said this because while I am convinced that 83 liters of water as the distance from her living room were not present before the loss; the water did not damage her carpet. She argued her point (I think she was a law student) for almost an hour and a half. She did not win. She claimed that water damage material and where it was not wet before her loss it should be replaced with the previous situation. I agree that water damage some materials but her carpet was not made of silk or wool. There was an average of nylon carpet, and after checking the tags 8-10 pieces of clothing (looking nylon) that she usually wears and washes, it dropped that argument. She rebutted the carpet color change / darkens where the carpet was wet. Yes, it was darker where the water was, because it was still wet! Two days later, after drying carpets, homeowner confirmed that carpet the color back to its original shade. Nevertheless, next to its argument was that by getting wet, structure, the carpet was now damaged. She could not really explain what she meant, but I was sure I knew where she was trying to leave. When I explained to her that in the manufacturing carpet is regularly exposed some “water baths” in order to produce it. When she learned that water is used in the production she had no further arguments. Feel free to use any of her argument you want to try to get not damage the carpet instead. If you have carpet gets wet with clean water and does not find the delaminated, search staining of furniture legs. Highlighting is a valid reason to replace the carpet.

Drywall and trim is the second most damaged items in the home while the water loss. Drywall patches are 100% acceptable in restoration. The insurance company does not owe to replace all the drywall in the room because there were things that had to be removed. Understand that drywall can typically be dried without relevant issues. If things need to remove the patch to fit a square section is removed acceptable. When properly taped and mudded the patch will not be noticeable, if the contractor has to have other drywall crew repeated repair. Yes, drywall is hung in 4×8 or 4×12 sheets, but that does not mean you have an entire new sheet of drywall “because it was not previously patched.” Every new drywall will be closed and painted to match.

Insurance / Adjusters are beginning to loosen the reins on the painting of the room. It is a different company to company-adjuster to adjuster- and the attitude of customers. For years, the standard has been applied two coats of paint in new drywall and 1 coat on the part of the wall (corner to corner). The corner to corner theory is that when painting the room you can / usually stop in the corner when you have an entire wall painted. You never want to stop mid-wall because it will be noticeable. Also with corner to corner if the paint shade is slightly off it will not be visible and it stops in the corner and light casting shadows will affect the paint shade as well. Have been met with so many arguments of contractors to paint on the walls, in the last 2 years we have seen a corner to corner rule relax. Usually now, if I have a 12×12 room and I patch one of the walls, I applied two coats of paint on top of two coats of primer to the new drywall. I can usually get set to agree on repainting the walls to match. This does not mean you get to change the 12×12 Powder Blue dining room to the Victorian red. This means you get a fresh coat of Powder Blue paint in the dining room website. However, if you are nice to contractors can upgrade this Powder Blue on similar tonal value color like gray blue. Encourage and foster a good relationship with the contractor can only benefit you.

One of the largest items homeowners do not understand that do not get covered are the source of repair costs. Example: The ring between the toilet tank and bowl rots, causing the toilet to leak. The insurance coverage will repair the damage that caused the toilet. It will not, however, cover the cost of fixing or replacing the toilet, or the cost to hire a plumber to come out and shut off the water and remove the toilet. In short, your insurance company is not trying to “keep it for you.” It is important to note that any kind of water damage clean timely. Damage can spread water to mold damage, and your insurance company is not likely to pay for mold inspection RE if they feel you review the progress with the help of mold vBulletin delay drying area hotel. If something does not make sense. Ask about it. If you do not answer or are having problems with your adjuster to ask for a supervisor. If anything raises the flag at the head instructors they can and often will either send out another set / field rein Spector or come out and investigate. Do not be afraid to ask if you feel you are not being treated fairly. insurance agent can also help to explain the policy to you.

Regardless of what you think you are owed, just because you have been paying into your policy for x years does not mean you get everything and anything you want. Compensation insurance is a basic law that says you, as the insured person should not be allowed to profit from the insurance loss. This principle is important and helps to protect both the insurance company and you.


Source by Daniel L Hoover

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