Why This Happens:

• ACV depreciation applied
• Insurance adjuster finds less damage than contractor
• Disagreement on repair vs. replacement
• Policy exclusions apply

Your Options:

1. Request appraisal – Formal process to resolve disputes
2. Negotiate – Work with adjuster to justify higher amount
3. Get second estimate – Show alternative pricing
4. Present professional assessment – Our detailed report

We Can Help:

• Provide professional estimates for negotiation
• Document all damage thoroughly
• Explain why replacement is necessary
• Support your appeal with evidence

Why Delays Happen:

• Adjuster backlog after major storms
• Weather prevents inspection
• Additional investigation needed
• Claim disputes requiring resolution

Typical Timeline:

• 48 hours: Initial report
• 1-2 weeks: Adjuster inspection
• 2-3 weeks: Determination
• 4-6 weeks: Claim resolution (total)

You Can Speed It Up:

• File claim immediately
• Have professional assessment ready
• Respond quickly to requests
• Keep adjuster updated

We Can Help:

• Have documentation ready before adjuster visits
• Coordinate scheduling to avoid delays
• Provide professional expertise to expedite process
• Keep communication lines open

What Can Happen:

• Your contractor and adjuster disagree on scope
• Insurance won’t allow certain repairs
• Disagreement on material upgrades

Prevention:

• Get professional assessment before filing claim
• Ensure documentation supports contractor estimate
• Communicate clearly with all parties

We Never:

❌ Inflate damage claims
❌ Misrepresent scope
❌ Pressure insurance companies
❌ Recommend unnecessary work

We Always:

✓ Document damage accurately
✓ Provide honest assessments
✓ Work within insurance parameters
✓ Help claims move smoothly