This is the order of operations for your insurance claim.

1. Field adjuster pays your property a visit and does a report on what he or she sees as damage.

2.Then they give you a copy of what they think it will take to fix the property.

3. We will request a copy of the report so we can make sure that the items they are willing to pay for and the price they want to pay are consistent with ours.  It is usually low but the price is always negotiated and once agreed upon then those items are address and only those items.  

4. If additional item are found as problematic. Then we write a report that includes the cost and reason we think they should pay for the repair.  We once again negotiate the cost and once approved we handle getting the repairs completed.  If we need outside services i.e.. engineering or anything else we hire this services as part of our estimate to completed your job.

That is how it is done period.

Now over the last week I am getting some very disturbing reports that insurance companies are putting it off on companies to create contract and proposals to give to customers as if this is some kind of a shopping experience.  It just does not work this way.  They have software that creates estimates in minutes after inputting the data.  We are not in the business of helping insurance companies shop for estimates and we do not have time to run around handing out bids to have insurance waste your time and ours trying to pit one company against another..

Now not all companies are using this negligent practice many of them are doing a great job and we have been able to complete many projects already.  We will be posting our success stories this week.  

Why you ask are the negligent, well making homeowners and renters stay in deswellings with mold, no water, roofs, electric is negligent in my book.  

The good news is we are working folks through this difficult time as quickly as possible.