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Old 08-15-2009, 01:32 PM   #7
Marker42
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Join Date: Dec 2006
Location: lakes region
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Default insurance or not.......................

Hi, I am a contractor in the lakes region and handle insurance claims on a regulat basis. Here is how to due it. First contact a contractor willing to work direct with your insurance company. Then that contractor must halt any and all continuing damage, examine the cause and effects of the issue, call your insurance company/agent to meet with and adjuster to determine if your policy has provisions to cover the issue. Then estimates will be written by both and a final cost will be worked out between them and there is always a provision for hidden damage. (AKA suppliment). Then the contractor should completely go over this with the property owner so everyone is one the same page. And also the adjuster will contact the owner and review also. From there authorization needs to be given for work to proceed if all agree. As for payment this normally can be direct to the contractor form the insurance company. The owner should have the payment direct to them and then the owner pays the contractor. Some contractor due not like this but tough. This ensures the job is done to the owners approval before being paid. A few things to remember. The owner (you) are the customer, you are the final word. and the contractor is working for you, while the adjuster is working for the insurance company. It is the adjuster and contractor the should work out the numbers where they are familar with the procedure. And last the insurance company pays for stupidity/accidents but not lack of maintenance. However they my not pay for lake of maintenance but might cover the results of the lack. If I can be of any assistance let me know. tom@tomlibbey.com
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