Mobile Telematics Technology is promising for Auto Insurance?

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At the time when the road accident caused the death of millions, it is necessary to check the driving behavior through mobile technology.

According to WHO, 1.25 million people die due to traffic accidents. WHO also estimates the accident will be the seventh leading cause of death worldwide. Is a need to press the panic button in the face of these figures? What kind of education is necessary to check accidents and reducing accident risk? Let us dwell deeper.

According to Bob Joop Goos, chairman of the International Road accident prevention, “Over 90% of accidents are caused by human error.” Human error is all about driving behavior, is not it? Well, if it is so that there is a need for the driver scorecard to improve driving and make driving safe. This is to ensure that he get his insurance claims hassle free for the loss. To have come this far, let’s go into the technical factors that increase ones driving behavior. Moreover, let us also consider whether a person has to pay ‘fixed contribution’ or ‘pay as you go’ or ‘pay how you drive’ for auto insurance.

person who lives in the State of Alabama is paying $ 1,500 a year on average. Suppose a person living in the city is $ 1500 pay as he is prone to more injuries against the person living in the suburbs pay the same amount as less likelihood of accidents. Suburban drive is easy compared to driving in cities. Remember the city driver will drive less kilometers compared to suburban driver who drives more. The city drivers are prone to more accidents. On the other hand suburban driver is prone to more wear his car. If a fixed contribution is obtained from both drivers, how does this make sense? Now if you’re given the option to choose between the following:

• Fixed premium annually
• Usage based insurance (UIB) is pay-per-use

What will you choose? Everyone will be cost effective; no one wants to end in loss. The majority likely to choose the second option. The reason is more customers are mobile. Customers can download the mobile application on mobile phones to monitor driving data. Risk assessment is easy with mobile device telematics applications. Assess risks like driving in peak traffic hours, depending on traffic rules or not, hassle free parking, speeding, etc., and take the necessary measures in the future with the help of tips provided on the application on your mobile phone.

Digital technologies are empowering insureds pay as you drive (Paydar) insurance, will pay how you drive (Phyd) by the customer. How this is going to affect the insurance industry? This is another area that requires discussion.

Mobile telematics technology combines technologies such as Global Positioning System (GPS), Mobility, Cloud and Big Data analytics where the driver uses the data to increase driving pleasure his behavior. This will reduce accidents. The mobile app provides information such as hard braking applied, rapid acceleration, road types, driving smoothness, phone distraction, traffic alerts, speed and mileage, etc. In addition, insurers can deliver personalized services and reach new customers by reducing the processing delays . Club option to enhance driving behavior using built Insurance. This will surely get support from the state and from companies.

Do we get more insight on this? Companies are looking for productivity, the government wants productive citizens. No one wants to productive children to be injured or be a burden. It is in this context that there is likely where insurance, business and government can work together to reduce the productivity risk. Driving behavior is the prime cause of traffic accidents. Mobile telematics technology has the ability to increase the driving behavior, reduce accident risk and workflow not disrupted.

Mobile telematics technology also has its impact on the automobile industry. As we know, a luxury automobile manufacturers come with built-in telematics, small brands charge extra for automobile electronic accessories. These black box technology are pushing up the cost of cars. In such a situation, mobile telematics technology reduces technology costs associated with the integration of the integration of technologies such as Global Positioning System (GPS), Mobility, Cloud and Big Data Analytics on smart phones. Advantage was for vehicle owners.

At a time when deaths caused by accidents are listed as the seventh world government, insurance companies, businesses and the public, offering mobile technology, we hope to reduce the risk. Canada is hosting Insurance Telematics Canada 2016 28, April 29 at the Double Tree Hilton, Toronto. In the year 2015 43% of insurance companies attended the event. This year the event cuts auto insurance technology and expect greater attendance to brainstorm.

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Source by Sud Gover

Technology, Discounts, Customer Education to drive telematics Auto Insurance

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Insurers are recognizing the importance of rates to get the US and Canada markets. But this requires a combination of product features.

Something seriously required in favor of insurance policy holders in the United States and Canada. UBI adoption is growing at a frenetic pace in North America, according to figures BI Research. Market watchers are keenly monitoring the growth of auto insurance and the factors that can cause challenges insurance industry. Figures show a rosy picture. Telematics-based insurance growth increased from 4.1% in 2015 to 6% in 2016 in North America. Growth is mounted to 19.2% in 2019. What is the role of telematics equipment expertise in emerging markets reached? Get discounts increase subscriber base? Is there a pitfall? Let us examine.

Insurers are constantly on the lookout for cost effective ways to do business with telematics. But convincing policyholders appear to be their challenge. Yesterday know how Passe with new and advanced knowledge developed in front of the UT. Data collection and customer engagement hold the key to success in the wired world today. Aspirin policyholders can be convinced insurance companies with advanced technologies such as: Driving data capture, direct marketing channels, roadside assistance (NSD Partner), Geo analytics and gamification to name a few. Millennial and Gen Z are technophile demographics telematic equipment market.

Technical measures will reduce risks and discounts are cost reduction. If both factors are combined marketing is easier. At this point the analyst is to take a balanced view. Donald Light director of Celent research and consulting firm, believes that the combination of both discounts and surcharges can provide a bright future for Telematics in Canada. He was their vision of the “Insurance Telematics Canada 2016” in Toronto. We all surcharges are additional premiums for risky driving behavior. Light and suggest this to change driver perception of their driving.

What the perception of Light wants to change? People pay a price for goods or services on their perception of quality. The same theory is applicable to human perception towards driving. If a man thinks he is a ‘better driver “and not including the driver that he is in fact, encourage them to implement telematics mobile app to take advantage of discounts will be challenging. Due to the self-esteem of his preventing promote driving behavior and adopt drive score as the ultimate criteria to improve his driving. It is at this stage only the education needed to change perceptions.

very purpose Ubi is to reward the contribution of drivers on criteria such as speed, acceleration, use the phone, etc. Great part of the population is mobile and it makes sense to implement telematics mobile app on their mobile devices to reduce accidents and earning drive score to take advantage of the policy premium rates. Education is needed to change the wrong perception of drivers taking Wherever reasonable and understand what standard driving behavior.

Education should be extended to ensure that network security telematics mobile apps are also prone to cyber attacks. This should be viewed in a context where 60% of cars and trucks are going to be connected to the network by 2017. This means tailored telematics service should address cyber security issues also to gain greater acceptance in the market.

Switching to telematics is a good choice; it is also promising for the company which wants to expand its scope. Advanced technical features, discounts drive scorecards plus extra for confused the driving behavior can increase recognition of mobile telematics thus attracting new mobile subscribers. If these issues are addressed, insurance marketing becomes easy.

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Source by Sud Gover

Your homeowners insurance may not cover Woodpecker Damage

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Meet Amy, City Girl who became a small town resident on her marriage to George. A stark difference between living in the very center of urban civilization and Township dwelling was somewhat of an adjustment means for Amy. Sure she loved the sights and sounds of nature will be: water, trees, grass, flowers and vibrant color winged birds. Nevertheless, how she missed the hustle and bustle and – yes – even the noise that she had always known that the shopping center shopping, auto and bus traffic – honking included – and life as she had been bred to appreciate!

Although noise has always been the essence of its existence, incessant pecking on the side of its roof in Small Town America where she now had set up residence did no good for her nerves. At five o’clock in the morning, you see was too early for a woman of the world like it to be rude raised from the slumbering state. And the fact that pecking was coming from fine feathered “friend” usually known as the woodpecker did little to appease her uneasiness.

Then came the crunch that really threw off Amy. It seemed as bothersome Woodpecker begun to establish damage in a beautiful home! But nothing could appease Amy when she discovered that a standard homeowners insurance policy its not even cover damages and losses suffered She now!

“You see, madam,” explained a nice insurance agent, “insurance companies simply do not reach the general household liability that has been yeast negligence. In fact, they see a woodpecker damage as something that could have been avoided through proper home maintenance. “

If only Amy had known! She certainly would have faced little danger with a vengeance. Now it seemed that it was too late and she and her husband would have to bear the loss through out of pocket expenses.

They say life is a great teacher. Amy knows better than most.

“Learn from me,” says Amy, a former city dweller. “Do not let pests get the better of you or your home will risk!”

How does one deal Woodpecker problem? There are a number of hands-on methods:

• Go out and buy tools that are on the market in connection with Woodpecker deterrence.

• Surround outside spots related to the roof with cable fencing.

• Attach a colorful ribbon below the roof and around roof is money.

• Seal attic and house siding holes with caulk or other materials.

• Hiring a pest extermination company to take care of the problem.

• View own creative to tackle nasty wood-beak problem.

Ask Amy. She will tell you forearmed is indeed warned: figure independent insurance agent about homeowners insurance policy to make sure it’s tailored to your needs.

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Source by M Wyzanski

Why students need assurance Of

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As the cost of higher education rises, families turn to credit to send their children to school.

Shock statistics from the Consumer Financial Protection Bureau state that at the end of last year, outstanding student loan debt was more than $ 1 trillion. Are you a parent college-going child with?

Have you co-signed a loan to cover the cost of a child’s education and if you take out a life insurance policy in the name of the child to settle the loan if he / she died?

Think of it this way. Like any other parent you want the best for your child and it includes university.

You are willing to co-sign a student loan because you know your child will work to pay back the loan when they have completed their studies. But then one day the nightmare of every parent’s reality and the child goes away before he or she can pay the loan, even before he or she can finish learning. What now? Since you co-signed a loan you are responsible for paying back what is owed.

Where is this life cover lane in the center stage. If you take out a life insurance policy in the name of the child you know if he or she takes away their life insurance policy pay policy beneficiaries a lump sum amount. These funds can be used to pay outstanding debts, including student loans, store cards and credit cards. The money can also be put towards funeral expenses plus cost of settling the estate of the child.

No parent wants to think about the death of his son. For many, the thought of their child dying before them is too horrific to even contemplate. But as responsible adults we have to plan for the worst and ensure that we are financially protected from the death of our child. Think of it this way. If your child disappeared and to be responsible for his / her student debt how would you cope with repayments? Would you be able to afford them? How, for example, would this unexpected financial burden affect retirement plans?

Take charge and talk to your child today to take out life insurance in his or her name. While it may be difficult conversation is one that needs to take place. And remember, take out life insurance while you’re young and healthy means you’ll save on premiums as you get older.

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Source by Aaron Dekker

10 reasons to start today CPCU – Turbocharge Insurance Career

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The Chartered Property Casualty guarantor, or CPCU designation, is the largest and best recognized designation Property casualty insurance industry. Whether you just start in the industry or you are 20 years of experience, but feel stuck in your current role CPCU can make a huge difference in your ability to grow your career.

1. gain knowledge you need to truly understand the overall Property damage insurance industry at a high level.

2. Access membership of the CPCU Society both locally and nationally that will open amazing networking opportunities with leaders of our industry.

3. Only 4% of our industry has CPCU, so it immediately puts you in the top echelon of the industry when it comes to education.

4. It opens the door to promotions and new positions. Getting the interview for a better situation will be much easier with the distinguished CPCU letter next to your name.

5. The average CPCU is 54 years old. With so many retirements happen in our industry, are young CPCUs in very high demand.

6. Many of the local chapters CPCU Society is always looking for young talent to their board of directors that gives you plenty of opportunity to gain experience in leadership.

7. At around $ 4,000 for the whole program, it is much cheaper than the MBA program makes an absolute steal. Costs are kept low by the power delivery method is self-learning instead of classroom style learning.

8. Chances company pays 100% of the cost of the program, paying for the trip to the annual meeting, and some even give a bonus for each exam passed and / or the finished program. Some companies such as Liberty Mutual even give you 10% of your salary to complete the program. You can do CPCU in part-time and receive benefits both short term and long term.

9. It shows a real commitment to the industry that makes companies more likely to take a risk on you and offer you stretch project.

10. The average CPCU makes 29% more than non-CPCUs with the same title.

There are simply too many reasons, and no downsides to do CPCU your. Sure it’s hard work, but it pays off in spades by giving you knowledge, connections and recognition you need to grow your career in a much better place.

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Source by Tony Canas

Life Insurance Quotes?

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We have all seen and heard a ridiculously low price rates for the insurance term life. They are not fake numbers but the reality is very few people actually qualify for discounts offered. The cost of life insurance depends on two main factors: health and age, respectively.

Pre-screening requirements

However, before companies considering insuring any specific conditions must be met. There may be some variations and / or exceptions but most person: Not to be imprisoned; may not be in the hospital, especially on their death-bed; may not be on active duty in the military; may not be over the age of 85.

Evaluation Process

a person’s health is appreciated by one or more insurers. The evaluation usually includes a complete medical history and medications, professional, recreational habits (skydiving is not usually considered healthy recreation), use of tobacco, alcohol and drugs, height and weight, and possibly more as the company is evaluating.

After a person’s age is a factor in relation to health food. The underwriters have a chart that’s actuary has determined how long someone will live based on the evaluation results.

how long?

When a person’s health and age have been evaluated and determined by the insurance company, the next factor to consider is the level of long insurance will be for 1 year, 5 years, 10 years, 15 years, 20 years , 25 years, 30 years, or permanently (the rest of life no matter how long it is).

You Bet

It is important to understand the basic premise of insurance is that it is a bet. The insurance bet something that probably will not happen. The insured bet that something will or could happen.

Insurance Companies know how many but not one

Insurance companies already know they will be wrong a certain number of times per 1000 people insured. The key to them is profitable to be able to be as accurate as possible in (s) they have predicted and / or planned for. The cost is based on the forecast.

Estimate is not Quote

Generally, the words quotes and life insurance do not go together. When asked for costs, the best anyone can do is estimate based on the information provided. Until the insurance company reviews applications and makes an offer numbers, cost and price are not clear.

Offer Quote

The prices are set by the insurance companies. The way they work is similar but different companies assessed differently. Agents and brokers have no say in the cost of insurance to do their best to fit a particular person and situation of a particular company.

When an offer is made

There is a quote it is usually a 30-day free look to accept or not.

consider

Less than 5% of all term life insurance policies are never paid or will ever pay death benefits. More than 80% of all permanent life insurance has paid or will pay death benefits.

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Source by Bob Lynch

Tips to find the best Family Doctor to meet your particular insurance plan

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Find a family doctor is often more difficult than it sounds. You want to find that one physician that meets the needs of the whole family and provides you the best level of care for patients now and in the future. So where do you start? How do you know your doctor you are considering is going to meet insurance plan requirements?

The first step is to find what you think is important to you and your family when choosing a doctor. You already have insurance plan in place and now you need someone who is going to take care of your family, help diagnose diseases and provide tailored treatments. This doctor could be someone you feel needs to be well with children, especially if your children are relatively young. They should also be able to work with adults, so the family can go to one doctor. Only one bill for insurance to cover such as when the family becomes ill.

Identify medical standards. You want to choose someone who is not far from home. If you were looking for yourself, the doctor could be close to work or home, but because you are looking for a family doctor covenant, you want them to be accessible to all members of the family. Someone ideally located a short distance from home ensures that everyone receives the care they need when they are ill and need medical attention.

It is also worthwhile at this point to know if they work in the center or hospital where there is a host of other treatments available. This way you only have one place to go in an emergency, such as.

Take a few minutes, pick up the phone and call the family pact doctor to ask questions you feel important before the final decision. Often talked to the receptionist and get answers to your questions can give you peace of mind and confidence to choose this particular doctor to meet all the medical needs of your family now and in the future.

Ask the reception about opening hours and if a doctor is off, that will replace them, so if you or one of your family needs a doctor, there will always be someone on hand. In addition to this, check the waiting time for an appointment. If your child is ill, you do not have to wait a day or two to get them to the doctor, you want them to get a handle on the day.

Doctors always check licenses and credentials. You can ask to see a copy, or you can search for them by the medical board. Either way, you should feel quite confident that you have chosen the best family doctor that not only meets family needs, but also insurance plan forward.

The person you choose should be someone who makes the whole family comfortable. Children should not be upset when they have to visit a doctor, but feel comfortable with it.

The last step is to make sure that your doctor works with an insurance company. Some insurers only work with a certain number of family doctors, so you need to make sure that the doctor you choose will work with your insurance plan, so you know that you have taken the necessary steps to provide your family with the medical care they need at all times.

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Source by Augusto Focil

Definition of World Class Operating Model for Insurance

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There is no common definition of established operating model for insurance. An operating model is a representation of the reality of implementation of operations and IT support business processes. A business model defines how the company makes money; operating model defines how the company is organized to ensure that it actually makes money.

A World Class Operating Model is the best Target Operating Model for the company, defined relative to the external market and internal management and culture. World Class defines excellent organization able to deliver shareholder value, consistently high profit and growth with agile organization able to adapt to market changes.

A World Class Operating Model supports companies to optimize all the improvement efforts to ensure the promised return on investment and prevent the introduction of new problems of incomplete or incorrect changes caused by lack of overview or the ability to deliver complex solutions .

There are many examples of world class organizations around the world with outstanding service and optimize internal processes and IT; However, in the industry it is difficult to find a world class organization. Ask customers, distributors and even internal management and insurance company employees and the overall perception is quite bad. There are of course examples of dramatic improvements, most of the time covered only part of the organization.

The goal of World Class Operating Model is to define the organization able to deliver excellent services and products with low cost, reliable, scalable and sustainable operation and the IT organization, which is fast and flexible, adaptive market.

Where in most cases, the operating model of Insurance organization is a complex maze of processes, IT and governance implemented in controlling the manual creation, the state of the art World class operating model is based on a full service digital agency with high skilled professionals for product development, marketing, sales, consultancy, claims management and customer service.

A World Class Operating Model for Insurance is based on the following principles:

Availability real contact time

One often heard complaint of customers and distributors is the lack of up-to-date information in the service process, especially in the case of a claim. Call centers and internal staff simply have no access to the most recent data and must wait until the paper files are available. An important rule of world class operating model is that all information is digital, up-to-date and real-time available create excellent service, fast deliver & claim process and real-time view of production and productivity.

Fully digital self-service capabilities

Today, all information should be available in real time, anywhere, anytime, on every computer and mobile used by customers, distributors, internal management and staff and third party service providers. It will save tremendous time and money when customers and business partners have access to all information via the internet, on tablets, phones, etc. and are able to get quotes for new products and renewal, send customer and product information, policy recommendations, and changes and load demand information. The world class operating model, are digital self-service capabilities fully integrated with comprehensive sales support and customer relationship management systems.

Straight Through Processing

The complex manual processes for insurance organizations resulting in most of the service problems. Backlogs, lack of perspective, re-enter data, the manual mistakes cause deterioration in service and high rate costs. A World Class Operating Model organizes all processes in plain, simple models. This model is fully automated without any manual interference except for decision-making as assessment and underwriting requirements. All data will be entered in one of the system and will be transferred directly through to other systems where no back data is essential.

Fast time to market

Time to market insurance products is long, even small changes in pricing will take months to deploy in most insurance companies. This is in most cases due to the complexity of IT environment. Even when companies use advanced tools product development, the problem of changing the policy administration system yet. The World Class aims Operating Model time to market 1 day to 1 week after the change, including product approval marks and governance change.

State of the Art IT architecture and solutions

Starting World Class Operating Model to automate all sales, customer service, new business, renewal, runs, requirements , rating and policy change process based on robust loosely coupled, flexible IT architecture with best of breed system components integrated using Enterprise Service Bus and one central database. The state of the art IT architecture is scalable to deal with (fast) growth, is flexible, sustainable and prepared for all market development in the coming years.

Cultural participation and continuous improvement

process all today’s and are defined by the people ” we will not solve today problems with the same thinking that created them “(Albert Einstein). This means that the implementation of world class operating model is more than just an IT transformation. As Insurance is a very traditional industry where the risks reach the main objective, every transitional change will create resistance and when not managed well, will ruin the outcome of the transformation project. A World Class Operating Model implementation includes a culture change towards continuous improvement, stakeholders and staff participation and in most organizations the hardest nut to crack.

Simple and lean organization and governance

Apart from the technical and cultural challenges, planning and design are equally important to ensure a successful outcome of the World Class operating model transformation. Insurance organizations have many different representations caused by past and present management preferences, which are not necessarily the most efficient and effective structures. Usually this organization structures are causing more complexity, inefficiency and slow time to market. The World Class Operating Model includes a simple, straightforward and lean management structure and deliver optimal customer, partner and employee satisfaction.

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Source by Paul De Bruijn

Reasons Why Two wheeler insurance claim is rejected

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Two wheeler insurance offers excellent financial cover to protect your vehicle from unexpected events such as a road accident / collision, damage, third party liability, etc. the denial from the company to settle the claim can be a big jolt. Therefore, it is important to be careful while buying program and you will also review the information policy held by you.

Here are five common reasons your claim may be rejected.

  1. If the vehicle repair on their own after accident: It is the most common mistake that many of you do. You tend to take your bike on your own and then inform the insurance company of the settlement. As a result of this, the company can not trace back the accident and repair and ultimately rejected your claim. To avoid such a situation, always notify the insurance company before getting the car repaired. The company professional will examine the damage from their end, assess the cost of damage and help you get the best deal for the repair of any damage caused to your bike.
  2. drunk driving: If a man is found drunk at the time of an accident, the insurance company has every right to reject the claim. Many times, people try to hide that they were drunk while riding a bike. This may work in some cases where the accident is minor and the driver can not see any police or hospital. But in other cases, hospitals reveal this information to the police and then you can not expect insurance coverage. Rather difficult criminal proceedings can be brought against you if you hide this.
  3. When you lose your name transfer policy model: People want to buy a used bike investors can face rejection requirement in the future if they forget to transfer his name in policy copy. In such cases where the import formalities have not been made, the policy is considered invalid and will not help you to settle the claim.
  4. Forget to report the claim within a specified period : Always notify the claim within 48 hours to 72 hours of injury. If you fail to do so, insurance companies can reject your claim. Also, if you damage your car in a crash and the engine gets damaged too, but you continue to run it, thus causing further damage to the car. The policy requirement will be rejected by the company.
  5. license: Driving license valid for longer. After this time, you need to renew it. It is important because if the vehicle meets an accident while and driver’s license is not valid, then the two wheeler insurance will be invalid and it may be the main reason behind the rejection of your claim too.

While buying two wheeler insurance is very smart steps that can save you from much missed and sudden expense, but they do not make you or your bike bulletproof. Be honest and safe, instead of being reckless and careless. Insurance companies will love you for it and help you the most.

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Source by Sahil Doshi

My Insurance Company is trying to cheat me?

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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.

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Source by Daniel L Hoover