You had a fire, Now what do you do?
The insurance adjuster will prepare an estimate of the damages, Why is his estimate so low says Troy Payne?
First and foremost you must understand that his loyalty is to the insurance company he works for, therefore he is not paid to find all the damage.
He also is not actually qualified to prepare an estimate properly. He has gone to a few days of schooling on the computer program his company uses, and he has been an adjuster for years and years he will tell you. But has he ever built a home himself? No! Is he a licensed contractor that does this work for a living? No!
So he says he will have a local contractor write the estimate, but this contractor works for the insurance company. They get multiple jobs a week from this insurance company so they too are loyal to the insurance company. If you don’t sign a contract with them they will spend an hour or so and prepare an estimate and they say if they missed anything they can give the adjuster a supplement to the claim. But how is this good for you. They are in control with the adjuster and yet this is your property.
Why not get the estimate right the first time. Why not have someone that is on your side protecting your interests prepare an estimate free of charge. An estimate that is prepared by someone that is considered an expert through federal court. This is what we supply you with. We do it right from the start.
The difference between our estimate and the insurance companies first estimate is substantial. Many times 50% to 100% more. Why? Because we care about your interests. It is our job to look and find all the damage, to prove our position, to treat this loss like it was our own and make sure you are paid properly for the damages.
We will meet with you free of charge and educate you as to the process, explain to you the do’s and more importantly the DONTS!
We will review your policy with you free of charge. After our consultation if you feel you need our help we will be glad to assist you. If you feel you can handle the claim yourself you will be better educated to do so
Time is very important! Take the time to learn and contact us to meet with you.