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Have the Courage to Be Disliked

A few days ago, as I was scrolling through my LinkedIn feed, a thought-provoking image caught my eye. It was a simple post, but its message resonated with me deeply.

Have the Courage to Be Disliked.

It made me reflect on our innate desire to be liked by everyone and how this craving for universal approval often permeates various aspects of our lives, including our careers.

In the restoration industry, the pursuit of approval is no different. Many professionals in this field go to great lengths to ensure that their clients and adjusters like them. They fear the disapproval of adjusters, even though these adjusters hold no legal obligations in the transaction between the restoration company and its clients. This fear of disapproval often leads to shortcuts and compromises in the restoration process, putting the most crucial stakeholders at risk – the clients and the employees.

Regardless of external pressure, maintaining honesty, integrity, and the highest industry standards should be the unwavering norm.

The importance of having the courage to stand up for what is right, for your company, your employees, and most importantly, for the customer is crucial. Failing to do so not only jeopardizes health and safety but also tarnishes your reputation.

In business, as in life, maintaining a certain standard is essential. If a company declares honesty and integrity as core values, then those values must be upheld, no matter the circumstances. The restoration industry, like any other, has its standards and protocols in place for a reason – to ensure safety and quality.

When someone attempts to persuade you to deviate from these standards, it raises a fundamental question:

Are honesty and integrity genuinely core values for your company?

It takes courage to stand firm and uphold these values, especially when it might not be the popular choice.

Courage is an essential trait, both in business and in comedy. I recently listened to a podcast featuring comedians John Crist and Matt Rife, where they discussed cancel culture and pushing social boundaries through their comedy. Comedians often navigate a fine line, pushing boundaries to make people laugh while knowing that their content might offend some.

Interestingly, those who are offended by their content are often not the subjects of their humor. It’s ironic that those who cry foul and express disapproval are often unrelated to the roastings and jokes. The comedians understand this irony, and it fuels their humor.

Those who protest the loudest about your invoices or protocols are usually NOT the ones who have to live in the structures you are restoring.

They may have the financial means to afford luxury corporate complexes and celebrity endorsements, like Patrick Mahomes and Andy Reid in TV commercials. The realization that you can’t please everyone, more should you try, is liberating.

Embracing disapproval from the right parties can be a catalyst for positive change in your business and personal life.

Here is the List of Groups that ardently strive to be catalysts for change, echoing the sentiment expressed in The All American Rejects’ lyrics: “I hope they give you hell.”

  1. Insurance Adjusters: Using insurance adjusters as an example, it’s crucial to prioritize your commitment to safety and quality over their potential disapproval. Remember that they are not the end-users of the restored structures, and their disapproval should not sway you from doing what’s right. We have a free e-book that might help you gain traction in this.
  2. Referral Partners: In many industries, referral partners play a vital role. However, not all referral partners will align with your values and standards. It’s okay to prioritize those who share your commitment to excellence and safety.
  3. Other Restoration Companies: Collaboration can be beneficial, but not all restoration companies in your market may be willing to cooperate. Instead of compromising your standards to win them over, focus on serving your clients and maintaining your integrity.
  4. Vendors: Your relationship with vendors can impact the quality of your services. Choose vendors who align with your values and standards, even if it means losing favor with others.
  5. Your Own Employees: Setting systems and processes in place will help you prioritize what matters to your employees identity within your company. This will keep the standards high, and the output of each individual validated.

In a world where the quest for universal approval can be all-consuming, it’s essential to step back and reevaluate our priorities. Whether in business or comedy, there will always be those who disapprove, often for reasons unrelated to the core issue.

Embracing disapproval from the right parties allows you to refocus your time and energy on what truly matters – maintaining honesty, integrity, and industry standards.

So, have the courage to stand up for yourself, your company, your employees, and your customers. Uphold the standard, even if it means being disliked by some. In the end, your commitment to excellence will speak volumes, and the right people will recognize and appreciate it.\

Article Source: https://www.restorationadvisers.com/e/BAh7BjoWZW1haWxfZGVsaXZlcnlfaWRsKwjKdzuIBAA%3D–42d5956c0dd5311aab208f990fdcc15a1bd96218?skip_click_tracking=true

water-damage

Dozens of homeowners say insurance companies lowballed or denied roof damage claims from hail.

Dozens of homeowners say insurance companies lowballed or denied roof damage claims from hail.

Why Not A Preferred Vendor?

My insurance says I should use “their vendor”. Why shouldn’t I?

WHAT IS A PREFERRED VENDOR?

A preferred vendor is a contractor that has a Service Level Agreement (SLA) with an insurance carrier to provide the insurance with discounted services and prices. While a preferred vendor may require a homeowner to sign a work authorization, they are working for the best interest of the insurance company.

The insurance company also has the right to tell a preferred vendor not to place certain equipment, not to setup drying chambers, not to use personal protective gear, not to use antimicrobial, and when the insurance company wants the contractor to remove their equipment. All because these things will save the insurance company money. Not because it will get the home dry faster or better.

WHAT IS AN INDEPENDENT RESTORATION CONTRACTOR?

An independent restoration contractor is a restoration contractor that does not have a Service Level Agreement with the insurance company and is therefore free to work directly for the homeowner without hinderances from the insurance company. Independent Restoration Contractors are not regulated by services they cannot provide or items they cannot charge for. Independent Restoration Contractors are working for the homeowner’s best interest and not the insurance company’s best interest.

Independent Restoration Contractors use their own industry knowledge, tools and brains to determine which equipment is needed to best dry a home, which products are best to treat an affected area, etc. Independents are allowed to think for themselves. They are able to put the homeowner’s needs first.

MY INSURANCE SAYS IT MIGHT NOT BE COVERED IF I DON’T USE THEIR VENDOR This is how the insurance company reduces their expenses/cost incurred by a claim. If they can deter a homeowner from using an Independent Restoration Contractor, it means their financial loss per claim will be less. However, a covered claim is a covered claim, regardless of the cost of the claim.

It is not legal for an insurance company to only cover a claim if it costs a certain dollar amount, unless there is a cap on the coverage on the claim – which is typically a round dollar amount like $5,000 or $10,000, if there is a cap at all. It is also not legal for an insurance company to only cover services if you use a vendor they have selected for you.

Unlike medical insurance, there are no “In Network” providers and “Out of Network” providers with homeowner’s insurance. The insurance company is not allowed to dictate what “provider” you are allowed to use to restore your home. Choosing a contractor of your liking is within your legal right.

MY INSURANCE WILL NOT WARRANTY THE WORK OF AN INDEPENDENT

As an Independent Restoration Contractor, we do not need the insurance company to warranty our work. Our work is warranted by us. We do this through photographs, moisture content readings and sometimes even air quality testing. If there is a problem with our work, we can handle it internally without the use/need for the insurance company to back us up.

I AM AFRAID IT WILL NOT BE COVERED

This is where a Public Adjuster (or an adjuster for the general public) is your best choice. You do not have to feel bullied by your insurance adjuster. There are adjusters that can side with/for you and help you through the claims process. Please ask us about a Public Adjuster recommendation for you!

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Why You Should Have A Public Adjuster

Your Insurance is Not on Your Side or Like a Good Neighbor

The insurance has an adjuster, so why shouldn’t you?

If you are being sued or suing, each party has their own lawyer. If you are buying or selling a house, each party has their own realtor.

So why shouldn’t a homeowner be represented by an adjuster that is on THEIR side when dealing with an insurance claim? The answer is you SHOULD be represented! Because your insurance DOES NOT CARE about the you being taken care of. They ONLY care about price. Some insurance companies used to care. None do anymore. It is an unfortunate fact.

The sooner a Public Adjuster gets involved on the claim, the faster they can keep the claim moving. Don’t face the insurance company alone anymore! It can be scary!

THE BENEFITS:

• NO out of pocket expense to the homeowner!

• The Public Adjuster gets paid BY the CLAIM, not the homeowner!

• The Public Adjuster understands policy language & can interpret it for the homeowner. • The Public Adjuster can meet the insurance adjuster FOR or WITH the homeowner. • The Public Adjuster handles all the payments, collecting payment, etc.

• The Public Adjuster work FOR the Homeowner, NOT the insurance.

• The Public Adjuster doesn’t care about the price, just that the scope is industry standard. • The Public Adjuster doesn’t demand Xactimate pricing or any kind of discount/referral.

All Pro Restoration currently recommends Jeff Kendall with Prime Public Adjusting. info@primepublicadjusting.com or 720-810-5779. He is local and he is very personable. He is also not concerned about the size of the claim. Some Public Adjusters will only handle claims over $100,000 but Jeff handles claims of any size.

This is just ONE referral. There are hundreds available to the public and can be found with a simple Google search.

You do not have to work with Jeff Kendall to work with All Pro Restoration. We simply want to make sure you feel represented if you are uncomfortable facing your insurance company alone. Their pockets are deeper than yours and we understand how intimidating that can be.

Please ask your technician, our office or any of our Department Managers for more information if you have further questions about the Public Adjuster route.

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Claims Process

How do I make a claim? Why should I make a claim?

For most homeowners, making a claim can actually be a scary process. Everyone’s biggest fear is being denied and having to pay for everything out of pocket. We are here to help you understand that it does not have to be scary. Our team is here to help you every step of the way.

  1. WHY YOU SHOULD MAKE A CLAIM:
    1. A claim minimizes your out of pocket expenses – our goal is that you only pay for your deductible and for any upgrades you choose to have done when it comes time for reconstruction.
    2. A claim allows you to get it done right and not cut any corners in order to save money
    3. What do you pay your insurance for, if not to use it in your time of need?
  2. HOW TO MAKE A CLAIM:
    1. Call your insurance company’s Claim Center – this phone number can be found on your most recent bill, within your insurance app, online or our office can provide you with your Claim Center’s phone number (usually a toll free number).
    2. They will ask you a series of questions:
      1. When did it happen? Or when did you notice it? (Make sure to indicate to them that you noticed it no more than 72 hours ago.)
      2. What happened? (i.e. Pipe break, sewer line clog, toilet overflow etc.)
      3. Have you fixed the source?
      4. Do you need a restoration company? Make sure to let them know you have already hired one – All Pro Restoration – and provide them with our contact information
    3. Once these basic questions have been answered, the claim center will issue you a claim number. We need this claim number in order to work directly with your insurance company.
    4. An adjuster will be assigned to you within the next 1-2 business days.
  3. COVERAGE:
    1. Our technicians cannot guarantee you coverage, however we are versed in seeing what types of losses are typically covered and typically are not covered. We can provide a general assessment of your loss and its likelihood of being covered.
    2. Your adjuster is the only person who can actually determine coverage on your particular loss.
  4. CLAIM DENIED?
    1. We recommend reaching out to a Public Adjuster before assuming this will be all out of pocket. Please see ask us about our Public Adjuster handout in which we can tell you more about why calling one will be in your best interest.
Claim Form

Will Insurance Claim Premiums Rise?


Will Insurance Claim Premiums Rise?Buying an insurance policy is something of a paradox unto itself. Generally speaking, insurance of all types is something that you purchase hoping that you never have to use it at all. You would never buy a car and just let it sit in the garage, hoping that the day never came where you would have to get behind the wheel, put the key in the ignition and go for a spin. Despite that, insurance is still necessary to have in the unfortunate event that you do need it the most. One of the most important factors that many people struggle with has to do with the claims process. People do not want to make an insurance claim at all because they are concerned that their premiums will go up. As with insurance as a concept, the answer is not necessarily straightforward.

Your Premium Will Change Over Time

For starters, you should never worry about filing an insurance claim because your rates might increase for one simple reason: your rates will likely increase whether you want them to or not. Many of the reasons why your rates might go up will have little to do with the claim in question.

One of the primary reasons why insurance rates might increase has to do with the age of the home in question. The older the home, the more liability there is for the insurance company to insure and financially protect that home. As your general sense of liability increases, so do your insurance premiums.

Natural disasters in surrounding areas can also increase your premiums. If your area has seen a rash of fires, floods, storms and other types of events that are beyond your control, your insurance company may look at you as statistically more likely to suffer from the same types of damage and increase your rates as a result.

Mass Claims Affect Premiums

Another reason why your rates might go up has to do with the amount of recent claims the company in question has been dealing with related to certain types of losses. Sometimes certain portions of your policy are designed to naturally get more expensive as homeowners in the surrounding area have made claims pertaining to one specific type of loss. If there has been a rash of burglaries in your area, for example, other homeowners may cause your rates to go up even if you have not been affected.

The point is that every insurance company is different regarding what events cause a premium to go up and what allows that money to remain unaffected.

It’s always a good idea to speak to your insurance agent. He or she will be more than happy to sit down with you, go over the specifics of your own personal policy and address any and all concerns that you may have.Will Insurance Claim Premiums Rise?

A lot of insurance agents will do just about anything to retain their customers. As a result, they may actually have significant pull in the decision about the way that your premiums might be altered after filing a claim. Though it is not a guarantee, talking to your provider about your concerns may be a way to allow your premium to remain the same even if a claim has taken place.

The most important thing to remember involves how serious the situation in question really is. Will the claim that you are filing exceed your deductible? If the answer is “yes”, then you do not need to make a claim. Can you afford to pay for the services that you need out of your own pocket in the event that it does exceed your deductible? If the answer is “no”, then the situation dictates that you should likely make a claim...

Water Damage Restoration Cost

How Much Do Insurance Claims Cost?

How much do Insurance Claims Costs?People may be hesitant to file an insurance claim for a wide variety of different reasons. The most common reason is because that person feels that their insurance rates may go up to unaffordable levels due to even one small claim. The reality of the situation is that insurance claims are a natural part of the process and may be the only way to help get the money you need depending on the specifics of the situation. When it comes to filing an insurance claim and why the process is so important, one of the key things to understand is how much that claim is going to cost.

Insurance Claim Costs

When talking about homeowner’s insurance, the cost to file an insurance claim will depend very much on the specifics of the policy in question. The cost to the homeowner is dependent on two key things: individual policy limitations and deductible amounts.

Deductibles are the total amount of money that you have to pay out of pocket for a particular claim before your insurance will go into effect. These deductibles are made available to the homeowner well in advance and are typically agreed upon when signing up for insurance in the first place. The average deductible can range anywhere from $250 to $5000 or more depending on the policy. However, the most common are $500 or $1000.

Your deductible should play a factor in deciding when and if to make a claim. If you are filing for a loss of only $100, it may actually be more beneficial to you in the long run to just pay the money out of pocket and avoid filing the claim altogether. If you lose your home to a fire and suffer a total loss, on the other hand, even a deducible of $5000 or more will still pale in comparison to the amount of money that your homeowner’s insurance will pay out to replace all of your goods and belongings.

Insurance Caps

Some homeowner’s insurance policies also have specific caps on them for certain types of losses. If the type of loss that you have incurred falls into one of these pre-defined areas, you may not necessarily get all of the money you need to rectify the situation – even if your homeowner’s insurance policy is valued at much more.

Mold remediation, for example, is usually capped at $0, $5000 or $10000. If you suffer $20000 worth of damages, have a one million dollar homeowner’s insurance policy but a $10000 cap on mold remediation, you would only receive the capped amount of money and not a dollar more.How much do Insurance Claims Costs?

Sewer drain backups are also a common category that are usually capped by insurance providers. These are sometimes (but not necessarily always) capped at values like $1000, $5000 or $10000.

If these types of situations are of serious concern to you, it may be worth looking into a different policy that will provide a larger amount of coverage in the event that these types of situations do occur.

Deductible Costs

Most of the time, however, the homeowner will only be responsible for the cost of the deductible. If you suffer one million dollars worth of damage and have a two million dollar homeowner’s insurance policy with a $5000 deductible, you will only have to pay $5000 to completely replace your home in the event that the disaster fell into an uncapped situation. Your homeowner’s insurance will take care of the rest.

As it relates to pricing for the actual project, restoration companies are required to use a price list called Xactimate. This price list helps ensure that restoration companies are following a “fair” price list that is approved by all insurance companies. The scope of work may vary slightly from restoration company to restoration company, however the line item prices should always be the same. It is important to keep in mind that every project is going to be different and a “baseline” quote cannot be provided on the phone. The job must be assessed by a technician before any kind of pricing can be providedExternal Link:..

Benefits

What Are the Benefits of Insurance Claims?

Many people are hesitant to file insurance claims for a wide variety of different reasons, even when it is the most best and logical step to take in a particular situation. Some people don’t want to deal with the sometimes lengthy and involved process of filing a claim in the first place and dealing with an insurance adjuster after they’ve already dealt with some type of disaster. Others are afraid that their insurance premiums will go up. Despite these very real issues, filing an insurance claim still brings with it a wide variety of different benefits that cannot be ignored.

Benefit:  The job gets done right

One of the biggest benefits of filing an insurance claim comes by way of the fact that it allows a restoration company to do their job 100% correctly thanks to having access to all of the funds required given the situation. The issue of “cost” is not a concern at all, as your insurance company is paying for the issue – regardless of the extent of the damage that you saw.What are the benefits of Insurance Claims?

Along the same lines, another benefit is that making a claim allows a restoration company to adhere to all standards that need to be followed given a situation. Not only do local building codes need to be followed when all types of restorations are performed, for example, but there are also many safety standards that need to be followed to a proverbial “T.” These standards can easily be followed without a question of cost. For more information about restoration standards, see our “Restoration Standards” page on our website.

Benefit:  Financial means are not an issue

Another major benefit of filing an insurance claim is the peace of mind that only comes with knowing that the concern of both cost and exceeding a certain dollar amount is not an issue. If it costs $5000 to fix the issue that you’re experiencing, your insurance company has you covered thanks to the claim. The same is true of a $10,000 bill, a $20,000 bill or higher.

Many people also don’t realize that unexpected additional damages may be found during the mitigation and restoration process. Filing a claim brings with it the benefit that these types of unexpected issues can be adequately addressed without needing to both stop work and receive financial approval from the homeowner. If you’re paying for restoration services out of pocket, $5,000 in additional work can be a large issue. If the funds are coming from your insurance company, all of these unexpected issues can be addressed quickly and in the best way possible.

What are the benefits of Insurance Claims?Many times after suffering some type of disaster like a fire, homeowners are very concerned with the cost. If you’re paying for the cost of restoration out of your own pocket, restoration companies are essentially limited on the services that they can provide with the money that they have available to them. After filing an insurance claim, however, restoration companies can work to the fullest extent of their natural abilities without having to worry about these types of concerns.

At the end of the day, It is important to realize that a homeowner takes out an insurance policy for a reason. It is to insure against catastrophes. You pay premiums for your entire life to guard against situations exactly like these. It would be a shame not to use that resource if you have it available – some people aren’t so lucky...