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HOUSE FIRE DAMAGE RESOURCES In the days following a house fire, there are a lot of different people who show up. It can be confusing to know what these people are there for and what they can offer you. When selecting one of these vendors it is important to check references and reviews as well as verify proper licensing.
Contact us for a list of local vendors in your area
with 5 star ratings DON’T DO IT. The carrier is required to provide you with what they believe to be the value of the loss. At that point they will provide you with a check that is considered to be the undisputed amount. Once you obtain your Insurance carriers scope you should contact your contractor to have them perform an analysis of the scope to determine what mistakes the Insurance carrier has made.
Normally the Insurance carriers scope will be incorrect.
They will normally include repairing items that should be replaced. What
you don’t know can be devastating to your claim. This is NOT always the best option.
By defaulting to Insurance you are making a decision. So
make a decision as to who will help you with your loss. Again, it is
important that you check references, ratings and licenses before making
any commitments to these vendors.
You can also chose your own contractor to perform the
repair work, however if you chose one of our preferred vendors we (the
insurer) will guarantee the work and arrange repairs if the work is not
completed properly. “ Understanding Xactimate Pricing Xactimate is a computer software system for estimating construction costs that has become widely used by insurance companies in the past decade. Insurance adjusters use it to calculate building damage, repair and rebuilding costs. Adjusters use Xactimate to generate loss estimates and claim settlement offers. This generic software is best suited to tract homes. If your property is custom-built, historic, or located in a high value area, Xactimate pricing will likely NOT be
sufficient to reimburse your for the actual cost of repairing and
replacing your specific home. Underestimating on material costs and
lowballing resulting from the improper use of Xactimate has caused many
claim disputes and lawsuits between the insured and insurer.
A competent contractor will supplement and
Xactimate estimate with bids from subcontractors. This makes it easier to
add in a comment in a specific area that explains or details any
additional increase in cost. It may be important to explain why the costs
are higher by pointing out the uniqueness of a building component. |