When you have suffered a loss, you have rights before the insurance companies. These rights are as much a part of the law as the Bill of Rights or Miranda. But if you don’t know these rights, insurance companies may “take liberties”… yours!
Better to have someone in your corner who is committed to protecting your rights. Allwest Adjusters is the right choice.
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To be paid for your costs to protect your property from further damage If your insurance company had a magic wand, they would wave it and your repairs would be made immediately after a loss. But they don’t. Claims and repairs take time, and here in the “all west”, the elements can cause more damage. Sure, it costs the insurance company more than just the damage, but that is your right. Did they mention that?
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To hire a public insurance adjuster to represent your financial interest Like so many rights in times of stress, this one may get overlooked.. or trodden upon. Consider the familiar “…You have the right to have an attorney present.” Just as a person in legal trouble needs a lawyer to protect their rights, you need someone to protect your rights. This is the Public Adjuster’s venue. Remember, the only people who object to someone protecting your rights are those who seek to tread upon them. Did they mention that?
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To be paid for complete property restoration costs How much is your house worth? You know… How much would it cost to rebuild it if it were destroyed? More than the first answer. Imagine buying a car… from the dealer’s parts counter! Yet insurance companies often try to pay you what your house is worth. It’s not enough. Normally the policy covers this “replacement cost”, and you have the right to expect it to be paid. Did they mention that?
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To hire a professional to restore your property It is common in the industry for insurance companies to develop relationships with contractors who can provide repairs and construction. They build trust with these contractors. But does that mean that you should trust them? A Contractor who is “at the right price point” for the insurance company has a vested interest in keeping the adjuster happy, even at your expense. Did the adjuster bring out the contractor? Why do you think that happened? You have the right to professionals of your choosing, regardless of “the price point.” Did they mention that?
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To materials and workmanship you had before the loss Little touches make “a” house “your” home. If your home had walnut trim before it was damaged, is pine trim with walnut stain suitable as a replacement? Allwest Adjusters don’t think so either. Insurance companies like to reduce costs (as any business does) by using replacements of lesser quality. And we won’t even mention workmanship. You have the right to replacement of the same quality you lost, not substitutes. Did they mention that?
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To reject the lowest bidder Someone made a joke to John Glenn as he sat on top of a rocket during the countdown. “Just remember, John, that rocket was built by the lowest bidder.” You know as well as they do that the lowest bidder isn’t the lowest simply because the other bidders were overestimating. You get what you pay for. Conversely, you don’t get what you don’t pay for. John Glenn’s joke isn’t funny when it’s about your house. But as much as the insurance company would prefer the lowest bidder, you have the right to refuse it. Did they mention that?
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To a complete, detailed listing of the scope of repairs When the assessment is done, the listing of the scope of repairs can be daunting. But NOT having one is even more daunting. Without the complete listing, it’s too easy for a portion of the repairs to slip through the cracks, both in being done, and being included in the cost estimate. Despite the extra effort required, you have the right to have the entire repair projects listed out. Did they mention that?
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To be paid for hidden damages before or after repair Despite the experience of everyone involved in estimating the repair of your loss, discoveries of hidden damage do occur. It would be easy for the insurance company to say that repairs not in the original estimate are not included. Except that you have the right to be paid when these unexpected damages come up. Did they mention that?
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To reject any contract not complying with the laws Laws change over time, but typically, a house does not. Often times, a house that has been damaged needs major modification to “bring it up to code.” This can easily reach $50,000, often a major portion of the settlement. But sometimes, the estimate of repairs leaves this “grandfathered” code violation unattended. This is a violation of the laws, and you have the right to reject any contract which attempts this. Did they mention that?
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To demand appraisal when agreement can’t be reached “Appraisal” as stated in the insurance world actually means, “Arbitration”. Think of appraisal as a mini- court procedure without the court (although it may involve an off-duty or retired judge that acts as an “umpire” to resolve a dispute). How it works is:
Did they mention that?
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To be paid promptly after submitting “Proof of Loss” Time is money. Which means that the longer it takes between the Proof of Loss and your payment is, frankly, in the interest of the insurance company. Every day they hold your money, they make interest on it. But notice the phrase “they hold your money”. It’s your money, and you have the right to collect it as soon as possible. Did they mention that?
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Did the insurance company mention this stuff to you?
To be honest, it’s not their responsibility to mention it. Just as the prosecutor doesn’t need to mention the defendant’s rights. It is the responsibility of his counsel. But who do you have as your counsel? If you are wise, you will have someone there to represent you and to assert your rights when other seek to tread upon them. Allwest Adjusters is ready to stand by you… and it’s your right to have us there.
Did they mention that? No, I bet they didn’t…
You have rights that need to be protected!
Why settle for less?
Call us at (253) 896-3700!
Why settle for less?
Why settle for less?
Call us at (253) 896-3700!
Why settle for less?