An Insurance claim on your homeowner’s policy can be a very overwhelming situation for a homeowner to take on themselves. Whether your situation arises from storm damage on your roof, water damage from a plumbing leak or fire damage, most homeowners are not familiar with the process or how to protect themselves.
The best advice I can give someone is to select a contractor that is well versed in these situations. Your contractor is your representative while the adjuster is representing the insurance company. This is not a confrontational relationship in most cases and the most knowledgeable contractors can work with the adjuster to satisfy your claim. This is a much more effective way achieving the end result that is beneficial to you.
I always know that I will not have a smooth beginning with an adjuster when they seem rattled when I exit my truck to meet them. This tells me two things. The adjuster may have some preconceived notions about this claim and they have had some very bad experiences with contractors in the past. Most of them seem surprised when they realize I am going to treat them with respect whether we agree on everything or not. If I feel the claim was unjustly denied then I advise my client to call for a reinspect but I always behave professionally. Remember you are representing your client.
When a claim or a portion of a claim is denied that does not mean it will not and should not be covered. A contractor that is experienced in insurance will not only know the details of why but also the next steps to resolving these issues. If your claim is unjustly denied then a reinspect is the next step. If a portion of the claim is unjustly denied then we can document, send in a supplement and work with the adjuster to get it approved. Who is more likely to get better results, the contractor who behaved professionally or the guy who threw a fit on your property?