The Adjuster Has the Last Word, Right? Wrong!

Most people have been brought up to respect authority and supervene the rules. For example, if the bank officer says that interest rates on six-month Cds are 3%, you accept that. Likewise, if your child's teacher tells you that your child needs to work on penmanship, you'll help your child tidy up his writing. If the guarnatee adjuster says that your claim is worth 00, you'll smile and take the settlement check to the bank.

But wait! That settlement check might not be adequate to cover your losses! Many of your belongings may not have been represented and incommunicable damage may not have been discovered.

DRYWALL SETTLEMENT

First, perceive that your guarnatee business wants to:
o Settle your claim as speedily as possible
o Minimize their losses

While it's terrific to have a quick claim, speed doesn't lend itself to thoroughness. If the guarnatee adjuster zips straight through your damaged home, he's less likely to observation all of the covered losses. Likewise, the adjuster represents the guarnatee business who employs him - not you. His loyalties lie with his boss who wants to save money in order to be profitable.

You can respect authority but you don't have to decide for less than you're entitled to. In fact, you can respectfully disagree with your guarnatee adjuster and ensure a fair settlement offer.

Doing so involves work on your part. You can't simply say, "I want more money." Instead, you must document why you need more money and gift this facts to the adjuster. This can be done on your own or with the help of other professionals such as contractors and communal guarnatee adjusters.

When documenting damage on your own, you'll need a good digital camera with abundance of storage, a notebook, dedicated portfolio for receipts and estimates, and a detailed list of your damages. Start by taking pictures of all related to your loss. Take notes documenting all conversations you've had with guarnatee companies, draw diagrams, and keep track of everything. Hang on to all receipts along with those for crisis repairs, temporary living expenses, and anything else related to your loss.

Obtain your own estimates for repairs and replacements so that you have real world documentation to correlate against your guarnatee adjuster's estimates. For example, if the guarnatee adjuster says that it will cost to repair a flooded bathroom floor and you have estimates in hand from a legitimate undertaker of a package deal saying that repairs will cost 0, you will be in an exquisite position to make sure that these repairs are fully paid for.

In this scenario, the adjuster may say all that's needed is a rug cleaning while the contractor's evaluation will dispute that by pointing out additional damage requiring repairs such as drywall and wallpaper replacement, new flooring, and electrical repairs. If possible, ask your undertaker of a package deal to be gift during the guarnatee adjuster's visit.

Do the legwork and you can have the final word.

The Adjuster Has the Last Word, Right? Wrong!

DRYWALL SETTLEMENT