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Claims Delegates is your resource, advocate, and knowledge center on the front line of the insurance claims process. We support contractors, homeowners, and property managers, giving our clients insider knowledge, management, and estimating services so they can make the most out of the claims and restoration process.

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Managed Repair Programs versus Google Adwords – FNOL costs

The TPA Trade-off: First Notice of Loss (FNOL) [In order to remain strong and viable into the next version of the restoration industry, contractors must change their mindsets and approach to the market.  The RESTORATION2.0 Movement advocates changes to six main...

Why Pay For Insurance Claim Advice?

I went on a little rant tonight.  After re-reading what I wrote in an email to a prospective client, I decided this might have some value to ya'll. So here goes. We've had a major ice storm roll through and there are tens of thousands of homes with water damage....

Restoration Capacity and CAT Events

Insurance Repairs (Restoration) is a capacity business. What I mean is that, in order to thrive one must be able to increase capacity quickly when demand increases dramatically. Major weather events like hurricanes, tornadoes and SEVEN FEET OF SNOW tend to quickly...


Uninvited I was recently asked to speak at a regional claims conference.  Two days later, I was uninvited. The reason? I’m have an adjuster’s license. At first I wasn’t really bothered by it.  I’m a busy guy. I wasn’t overly excited about paying for a plane...

Ultimate Xactimate Opening Statement

The Xactimate Opening Statement is one of the most overlooked and under-utilized tools in the Restoration estimator's tool box. The opening statement is your first best opportunity to introduce your client to the claims process.  Properly written, an opening...

8 Basic Insurance Policy and Claims Guidelines For Happy Customers

The insurance claims world is a dangerous place for amateurs. “Beginning in the 1990s…insurance companies reconsidered [their] understanding of the claims process. The insight was simple. An insurance company’s greatest expense is what it pays out in claims. If...

Adjusters Are NOT Responsible

Adjusters are not responsible for the final work product.They never have been.Here is an excerpt from a recent call I had with a client.  The adjuster with Mercury insurance underbid his repairs by at least $10,000.  Mercury insurance also made him move...

Organizational Culture Determines Organizational Success

“We are creating an industry which is creating jobs that are less and less appealing to the potential employees in the job market.” ~Thomas Underbrink Last month I had the pleasure of attending the Oregon Casualty Adjusters Association annual symposium.  It...

Why You Should ALWAYS Bill Your Client FIRST

Bill Your Client It sounds simple, elementary even.  What business expects to get paid without billing their client?Restoration guys, that’s who.I had a conversation with a client of mine yesterday regarding a couple outstanding mitigation invoices.  He asked if...

NEVER Ask Your Adjuster For Permission on Your Claim

Adjusters aren't in a position to determine scope.Too many times, I've seen insureds give away their negotiating leverage by asking their insurance adjuster for permission.Adjusters aren't in a position to determine scope.  They aren't in a position to determine...

Vast Knowledge and Experience

Andy's vast knowledge and experience in the industry has proven to be a very valuable resource. For homeowners, not knowing what to expect or how the process works, experiencing a loss can be a very stressful and sometimes overwhelming experience. It helps to have someone like Andy in your corner. For contractors, Andy's attention to detail and experience in estimating and defining a scope saves you time, allowing you to focus more on the task at hand, resulting in a successful job and a happy customer.

Courtesy-Logo-Small  Courtesy Restoration Inc.

Vancouver, WA

Someone on My Side

Andy was incredibly helpful and professional when I needed someone on "my side" while trying to navigate an insurance claim. I can't thank you enough for your advice and support!

DSCN3289Julia T., Homeowner

San Fransisco, CA

My Sincere Thanks to Claims Delegates

After a fire in my home I had a very difficult time getting an honest replacement cost estimate from the insurance company’s restoration contractor and got little relief from an appraisal panel. Sending the estimate and the award to Claims Delegates they analyzed them and found estimate was indeed underwritten and the award was intentionally altered when the appraisers zeroed out materials. My sincere thanks to Claims Delegates, they have given me a fighting chance to win my lawsuit.

KitchenAppliancesDaniel R. Jenkins

Homeowner & General Contractor

Las Angeles, CA

Excellent Work

Andy, I wanted to take a minute to write you a note to thank you for your excellent work on the Gillette loss. Your professionalism and value was exactly what I have come to expect. In fact, I calculated it, and for less than $200 for your services, you earned us an additional $1200 in items I would not have even known to ask for. Both the client and I are thankful that you are on our team. I also appreciate your work with the adjuster on my behalf, it really freed me up to provide better service for my clients. I am looking forward to working with you on our next loss!

PureSpaceLogoMatt Ballou, PureSpace

Portland, OR