Blog
State Farm Won’t Budge on Your Claim? Here’s How Appraisal Actually Works
You and State Farm agree the loss is covered but can’t agree on the price tag? There’s a built-in process for that, appraisal, and it has a couple of rules that trip people up if nobody warns you first.
ITEL Laboratories and Global Claims Services: Unveiling Allegations of Fraud and Misrepresentation
Originally published by Andrew G. McCabe on LinkedIn. Read the original on LinkedIn → Recent investigations have brought to light serious allegations against ITEL Laboratories and its parent company, Global Claims Services (GCS). These revelations challenge the...
The Illusion of Independence: How ITEL Sided with Insurance Carriers Over Policyholders.
Originally published by Andrew G. McCabe on LinkedIn. Read the original on LinkedIn → ITEL was never the established standard. From its inception, ITEL was not created as a neutral, independent entity. It was designed and implemented by insurance carriers with...
SELLER BEWARE: The Contract That Hands Your Business to the Adjuster
Originally published by Andrew G. McCabe on LinkedIn. Read the original on LinkedIn → A contingency agreement standard to insurance restoration quietly transfers pricing authority, scope control, and payment rights from the contractor to the carrier. Most...
Assignment of Benefits: Why When You Sign Matters More Than You Think
Originally published by Andrew G. McCabe on LinkedIn. Read the original on LinkedIn → If you are a restoration contractor who performs insurance work, you need to understand the Assignment of Benefits. Not just what it is, but how and when to use it. This article...
GPP and RH Have Nothing to Do With Equipment Calculations. So Stop Tracking Them.
For years, the restoration industry has been misled by the misuse of Grains Per Pound (GPP) and Relative Humidity (RH) in equipment calculations. It's time to set the record straight and ensure accurate assessments based on established standards.In the restoration...
GFCI (Ground Fault Circuit Interrupt) Receptacles Lifespan
Industry Deep Dive Understanding the Effective Useful Life of Bathroom GFCIs By Claims Delegates Research • 12 Min Read In the hierarchy of home electrical safety, the Ground Fault Circuit Interrupter (GFCI) stands as the most critical line of defense against...
The Price of Obedience: How “Standard” Rates Bankrupt Good Contractors
Originally published by Andrew G. McCabe on LinkedIn. Read the original on LinkedIn → Imagine this: a pipe bursts, flooding your home. In the midst of chaos, a restoration contractor arrives, a beacon of calm and competence. They get to work, navigating the...
Why Contractors Help With Insurance Claims – The Real Story
Originally published by Andrew G. McCabe on LinkedIn. Read the original on LinkedIn → Insurance attorney Steven Badger recently attacked contractor advocate Mathew Mulholland on social media. Badger called Mulholland a “schill for contractors” and...
The Economic Impact of Underpaid Claims
Originally published by Andrew G. McCabe on LinkedIn. Read the original on LinkedIn → Insurance claim settlements after natural disasters are not just about individual recovery—they are about community survival. The way claims are handled determines whether...