On Property Insurance Claim Tips Blog

Will Hurricane Sally Insurance Claim Repair Estimates Cover Your Losses?

Will Hurricane Sally Insurance Claim Repair Estimates Cover Your Losses?

As policyholders begin to hear back from their insurance company regarding their Hurricane Sally insurance claim, many will learn that the amount offered by their respective insurer is not sufficient to pay for their complete loss and damages. Some may even learn part of their claim is denied. This is common when there is widespread damage to a geographic area and especially true with more complicated commercial claims to businesses, condominiums and hotels where methods to fix or replace damage can become complicated. There can be many reasons for this including overworked adjusters not documenting specific damages, out of state adjusters not familiar with the market or inside claim adjusters who have never personally seen the claim simply denying certain parts of the claim. 

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What do you do when an insurance company exercises their right to repair?

This question was asked of us the other day and since it is rarely encountered in the everyday world of property insurance adjusting, I wanted to share it given our experience with “the option to repair tactic” that we’ve seen used by the insurance carriers. First, a little background on this controversial clause found in most property insurance policies.Read More