If you are a contractor taking on insurance claim work once in a while, or it is a majority of your business, you know that while providing and collecting for demolition/mitigation work is difficult enough, rebuilding can be and usually is much more difficult.
By and large insuarnce company staff are over-worked handling dozens if not hundreds of claim files at any given time. This is not an excuse for some of the common complaints we hear, but when even the squeaky wheel fails to solicit an amicable claim closure it's ussually due the same common complaints we field on a daily basis:
Lowballing the Settlement Offer
- Many policyholders feel that adjusters offer less compensation than what is necessary to repair or replace the damaged property. They often feel that the adjuster’s valuation does not fully account for the extent of the damage or the actual cost of repairs.
Delays in Processing Claims
- A common complaint is that claims take far too long to process. Policyholders may have to wait weeks or even months before they receive a resolution, many times in a hotel or rental unit, leaving them without the necessary funds to fix or replace damaged property.
Lack of Communication
- Poor communication is a huge issue. An adjuster may fail to return calls, emails, or messages in a timely manner, leaving policyholders in the dark about the status of their claims. Even worse is when you are forced to deal with a "team" & can rarely (if ever) talk with the same person on the "team" more than once.
Insufficient Documentation Requests
- Adjusters may ask for excessive or unclear documentation, causing delays and confusion. This can include requests for photos, estimates, or receipts that feel unnecessary or redundant.
Denying or Underestimating Claims (in part or as a whole)
- Sometimes, adjusters may deny claims outright or downplay the severity of the damage. This can lead to frustration for homeowners who feel that their claim is being unfairly dismissed or undervalued.
Inconsistent Assessments
- There are often complaints about adjusters giving inconsistent damage assessments. For example, one adjuster might report a certain level of damage, while another might estimate a much lower amount for the same issue.
Unprofessional Behavior
- Some claims adjusters are reported to be rude, unhelpful, or even dismissive. This behavior can add unnecessary stress to an already difficult situation, especially during an emotional or financial crisis.
Lack of Knowledge or Expertise
- Sometimes adjusters are criticized for not having enough technical expertise to properly assess certain types of property damage (e.g., water, fire, or mold damage). This certainly can and no doubt will lead to inaccurate evaluations.
Difficulty in Understanding Policy Terms
- Policyholders may find it hard to understand the terms of their policy and the adjuster's explanations. Complex language and confusing insurance terms can lead to misunderstandings or frustration.
Failure to Consider Long-Term Damage
- Adjusters sometimes overlook long-term damage that might not be immediately visible, such as water damage that could cause structural issues down the line. This can leave homeowners with bigger repair costs in the future.
Pressure to Settle Quickly
- Some adjusters push policyholders to settle claims quickly, which can pressure individuals into accepting lower settlements before they fully understand the extent of the damage
All of this can be avoided by bringing on AICS at the start of the claim, whether it be by consulation or retention of services, allowing you the contractor to focus on your business and the next project while AICS tackles the processing of the claim ultimatly resulting in getting the necessary funds in place to actually start work !
Contact AICS today for your free consultation:
Toll Free (800) 769-8750
Chat 480-239-4297
Email: info@aics.guru