Blog
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 it...
Adjusters Are NOT Responsible
Adjusters are not responsible for the final work product.They never have been.Here is an excerpt from a recent Clarity.fm 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...
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...
How To Get Xactimate Estimates Written by Claims Delegates
"How does it work?" I recently received an email from a new client asking how Claims Delegates "worked". She asked several really great questions, and I thought I'd answer them for ya'll. In reality I'm being lazy, because these are actually very common questions...
What is Depreciation and Why Should I Care?
I thought I'd record a short video to share my take on depreciation.I had several hours of driving to do and decided to at least get some thoughts out there.Depreciation, in short, is the difference between ACV and RCV of your property - whether that be your house,...
State Farm Rejected Mold Claim
Claim Doctor Q&A: State Far Denies Mold ClaimOften I get questions about denied claims. Too often it is too late for me to provide any meaningful assistance. The moral of this Q&A is: Don't delay in getting professional help. The longer you wait, the worse...