To be honest, those who make insurance claims move their heads in the same manner as this. Over the years, insurance companies have done something to get bad rewards. I have worked in the insurance restoration industry over the past 10 years, but I can honestly say that I have not met most of the adjusters and contractors that I wanted to get involved in a settlement during the past 10 years. I saw this when the policyholder was very handy. Yes, a bad estimate will occur, but in most cases the feeling "short and wrong" is brought about not understanding your policy and how it pays.
The biggest misunderstanding is often the matter of matching. Insurance contracts contain terms and phrases specifically to avoid matching. Housing owners can replace damaged items with similar ones. As a homeowner or contractor I often do not agree with this and I will fight it for the best of my abilities. The easiest way to explain this policy is to give you a situation where you are likely to fall into this situation. Let's say there is a flood that has to remove the carpet in the corridor. The same carpet passes through the house. The living room opens and connects directly to the hallway with the same carpet. There are three bedrooms directly from the corridor and an office with a French door from the living room. The carpet in the corridor and the living room is changed, but the carpet in the bedroom and the office is hardly replaced because most insurance contracts are written to stop at the doorway.
Other situations occur most frequently in kitchen cabinets. If water damages the kitchen cabinet (or fire, your upper) under you, most insurance companies allow you to replace the running of a damaged cabinet (meaning all of the lower limbs or upper limbs) To do. If you have a special / custom cabinet, you will most likely be able to rebuild the cabinet and give it a custom price to match what was there. Recently, it does not match the kitchen cabinet at all, but it is not impossible. Over the past 25 years there have been hundreds of cabinet styles and specialized finishes from many manufacturers. Recently, unless you change the kitchen, it will take thousands of hours to find the manufacturer of the cabinet that produced the cabinet (a good place to find the manufacturer.) On top of possible obsolete issues, elements It is very likely that you changed the finish of your cabinet, agreement, sometimes a custom cabinet.
Here are some options:
1) To exchange all of the cabinet, you can take a budget from the cabinet's location with cheap cabinet and get quote. Please remember that you have the money to allocate to the new cabinet budget.
2) You can create your own custom kitchen by finding the opposite finishing cabinet and replacing the parts below or above you. Mixing the cabinet finish to give a unique custom look tailored to your style is very common today. For example, suppose the cabinet is a shaker style cherry cabinet. You can go with supplemented stained glass or paint finish cabinet, sometimes with antique white or black.
3) If mix / match is not your style, please consider paint processing. My best example is the fire we did in Durham, North Carolina in 2007. My customer had a small grease fire burned the finish with three of the cabinets on her above the stove. The insurance company allowed the exchange of these upper cabinets. She was not satisfied with it. (To be fair, this is a very smart professor at Duke University and as soon as a fire broke out she began dreaming of a new kitchen). When I broke the quotation on the cabinet's budget, she was very disappointed. She wanted a new kitchen. I replaced the three damaged parts of the cabinet with incomplete materials that fit the style and repainted all of the old oak cabinets to new beautiful modern black. We added new hardware, repainted the wall and I got her a new countertop. Within two weeks she had a brand new, renovated kitchen.
4) You can order the cabinet according to the existing cabinet. If the cabinet does not fit well enough, you can return to the insurance company and use another option to come back. Attention: If you get a kitchen totally different from what you had, if you fail to try on an existing cabinet and fail, the insurance company will pay the fee to replace the newly exchanged cabinet again It is not. Please do not go out and get a cabinet that matches the cabinet. Then, I called the insurance company and said, "I tried to match it with the cabinet, but I do not agree." This is a fraud and you can claim it.
The best advice I can give to anyone is to understand your policy. Please thoroughly look at your declaration page. Understand your coverage. If there is any change in your home, please update your insurance as necessary and protect your home, yourself and your family.
Understanding your claim can be easy and confusing. It is easy for you to listen, take notes and ask questions (for both your insurer and contractor). I will be completely perplexed by the complaint when trying to understand it even if the landlord does not know enough, or when subdividing the estimate details by detail and adding the total to the "inspector" of the contractor Became an adjuster. Remember that when your life is the most inconvenient it will be unstable. There is no need to submit insurance claim. But life is unexpected and you will be beating your face when you have all your balls in the air. The moment you have to file a complaint, I recommend that you obtain a spiral note or a notepad for all clients. As soon as you think about the question of the adjuster, if you are going to be like someone else, write down everything to forget the name and lose contact information or complaint number. Please track everything. When you start collecting pictures you need to exchange what you like, it is good for your dreams but it is not unrealistic. Do not assume that something got wet and replaced. Carpets are one of the most claimed items. Most homeowners assumed that they had been wet for several hours until the carpet was found, so it was claimed that the carpet could not be relieved. With common Class 1 / Category 1 (Clean Water) loss, most carpets can be stored and saved. Restorative companies are highly trained to dry these items. The carpet is replaced as the last resort. It may be necessary to replace the pad and reprint / replenish it and clean it, but in rare circumstances it is necessary to replace it. Delamination is the reason for the exchange. Delamination is when the primary and secondary liners of the carpet are separated. One of my favorite discussions for carpet exchange was from my homeowners in Virginia state that my carpet was said to have not been wet before. I was convinced that 83 gallons of water I took out of her living room did not exist before I was lost, so I laughed inside when she said this. The water did not hurt her carpet. She insisted that her point (I think she is a law school student) for about an hour and a half. She did not win. She insisted that it should be replaced by the previous state, as water damaged the cloth and was not wet before losing it. I agree that water damages some fabrics, but her carpet is not made of silk or wool. It was an average nylon carpet, after checking 8 to 10 tags of a typical clothing (looking for nylon) looking for nylon, she stopped that argument. She argued that the color of the carpet turned discolored / dark where the carpet was wet. Yes, it was still damp, so the place where the water was was dark! After two days, after the carpet drying was completed, the landlord confirmed that the color of the carpet returned to its original color. Nevertheless, her next discussion was that the structure of the carpet was now broken by getting wet. I could not really explain what she meant, but I knew where she was going. When I explain to her, during the manufacturing process, the carpet is routinely exposed to several "water baths" to manufacture it. When I learned that water was being used in the manufacturing process, she did not discuss any further. If you are going to replace an undamaged carpet, please freely use his woman's argument. If the carpet is wet with clean water and is not peeling off, look for dirt from the foot of the furniture. Dyeing is a good reason to replace the carpet.
Drywall and trim are the most commonly damaged items in the home during the loss of moisture. Drywall patch is 100% recoverable. The insurance company does not have to replace all the drywalls in the room, as there was a section to be removed. Understand that dry walls can usually be discharged without any associated problems. If you need to delete a section you can patch the rectangle of the deleted section. If you need to tape properly so that the patch becomes inconspicuous, the contractor needs to have another drywall crew to redo the repair. Yes, the drywall is hung on a 4x8 or 4x12 sheet, but this does not mean "I have not patched it before, so I need a sheet of new dry plate." All new drywalls are sealed and painted to match.
Insurance companies / coordinators are beginning to paint the room. Adjustment attitude with corporate coordinator, coordinator, and customer. For years, I painted the paint twice on a new drywall and I applied one paint to the rest of the wall (from the corner to the corner). The theory of corner-to-corner is that after painting the entire room, you can stop at the corner / typically when painting the room. It stands out, so you never want to stop the middle wall. If the paint shade is off a bit, corner to corner will not be displayed if it stops at the corner and light cast shadow will also affect paint shade. A lot of contractors' discussions on filling the remaining walls revealed that the rules of the corner-to-corner were eased in the past two years. Now usually I have a 12 x 12 room and I apply two coats of paint over the two coats of the primer to a new dry wall if I patch one of the walls. I usually get an adjuster to redraw the remaining walls and make them match. This does not mean changing the 12 x 12 powder blue dining room to Victorian red. This means getting fresh powder blue paint in the dining room. However, if you are perfect for a contractor, you can update its powder blue to a color with similar tonal values such as gray blue. To nurture and nurture a good relationship with your contractor is the only benefit for you.
One of the other largest items that home owners do not cover is source repair costs. Example: The ring between the toilet tank and the bowl is broken and the toilet leaks. Insurance will repair the damages caused by the toilet. However, I will not cover the cost of repairing or replacing the toilet, or hiring a plumber to remove the toilet, stopping the water coming out. In short, your insurance company is not attempting to "attach it to you". It is important to note that any form of flood damage needs to be cleaned in a timely manner. Insurance companies are unlikely to pay type inspection fees if water damage can spread to mold damage and you feel that they helped to advance molds due to local drying delay. When something does not make sense. Ask about it. If you do not understand the answer, or you have problems with the adjuster, please consult your boss. If something places a flag on the head of the director, they can either issue another inspector / field inspector or come out and investigate. I will not be afraid to ask if you really feel that you are not fair. Your insurance agency can also explain your policy.
It does not mean just getting everything you want, regardless of what you feel, just because you paid for you over the years. Loss compensation is a basic insurance principle, and the insured should not benefit from insurance losses. This principle is important and will help protect both insurers and customers.
