This is where the rubber meets the road. You and your Contractor have agreed that there is significant damage to your property. But, it’s time to convince your insurance company of the same truth.
If you think your roof, siding, or gutters needs replacement due to affects of a storm, and you think your insurance company needs to foot the bill, the Adjuster hold the keys to your castle. It’s ultimately up to him whether or not that happens. If the Adjuster agrees with you and your contractor’s conclusion, with regard to the affects of the storm on your property, you’re golden. The Adjuster will write the story, and the check, in your favor.
So what’s it take to write that story in your favor? Our advice: keep it simple, and don’t be a jerk. We will take a more in-depth look at what Adjusters are actually looking for with each claim, as far as damage is concerned, a little later on. But for now, it’s important to remember that Adjusters are people too. People love feeling valued, and they generally dislike being treated like garbage. So try to present the facts efficiently and effectively. Then, get out of the way and let the Adjuster do his or her job. If the damage is there and the Adjuster feels like they can write the story in your favor, great. Adjusters have standards that they have to abide by too. They are accountable to their employer just like you are. If they can write the story in your favor, they will. If they can’t, they can’t. It’s really that simple.
If you view an Adjuster as a story teller, you want to make sure you give them the right details to “slant” the story a certain way. Here’s what we mean by that. Like any real person, if you’re a jerk an Adjuster will stop looking for ways to write the story in your favor. There’s no ill intent here, it’s just human nature. Kindness is more likely to find favor. So present good, honest facts, and be polite while doing so. Make the Adjuster feel valued. If the Adjuster happens to disagree with something, find them another fact that you both can agree on. Find common ground and go from there. Build credibility. As a contractor, this community of insurance restoration work is generally small. Your chances of running into the same Adjuster over and over, claim after claim are generally high. So build your credibility. Honestly, as an Adjuster, there are some contractors who I know consistently write legit claims. So I know before I arrive on scene that there’s a good chance that the claimed damage is legit. Same goes the other way. Garbage in, garbage out.
So be honest. Be kind. Do good work. Once you come to an agreement with your Adjuster, the real stress is over. Let the shingle and siding selection process begin, and Crush It!
If you’re a contractor, and would like some help or advice on a claim, or would like to start handling insurance work, leave a comment below. We would love to help you grow your profit margins!