Devastating pipe breaks, failing sump pumps, a smoky kitchen fire, the roof leaking from damage from high winds… no one wants to deal with anyof that.
But it does happen, and when it does, you probably do what is natural – you pick up the phone and call your insurance company, most likely your insurance agent, who may direct you to anyone from a central call center to handle your claim, an insurance adjuster, or perhaps to a local disaster restoration contractor they know.
And then the fun begins.
You aren’t sure yet if you have coverage, because the insurance company is dragging its feet. The adjuster isn’t able to come out for a few days, something you can’t believe. You worry, fret, and wonder if the damage to your home will be covered, and if you will have to pay for some (or all?) of the damage. You know you have to cover the deductible, and that’snot cheap.
The work begins. Everyone is in a hurry because if the damage isn’t fixed right away, other issues will surface. The restoration contractor does what he is trained to do, and the work progresses nicely, and eventually all is well again at home.
A few days late, the adjuster shows up. And he delivers a devastating blow. While you have coverage, the cost to repair the damage is more than the insurance company feels is fair, so they will only pay a percentageof the costs. The rest? You have to pay for that yourself.
What can you do?
One thing is to get another opinion. Hiring an independent insurance adjuster to review the job, all the paperwork, and your insurance policy might shed light on the issue and give you more info you need.
Depending on the new information you receive, you can revisit the issue with your insurance company. Taking this information to the insurance adjuster who you are battling with probably won’t do much good. It’s time to go over his head, as the saying goes.
If the difference between the costs of repairs and the offer from the insurance company is high enough, you can also consider a claim to the state entity (such as the insurance commissioner) that has authority and power to help. Many claim to be subject to bad business practices. You might be advised to hire an attorney, all which will cost you more.
The good news is if you hire the very bestdisaster restoration company, they have the experience to help you deal with all of this. After all, it pays to call a pro!