Claims Adjusters and Home Improvement Contractors – Getting Along Whether They Like It Or Not

Insurance adjusters and home improvement contractors are notorious for butting heads with each other. This makes sense when you consider that contractors have the homeowner’s (and their own) interests at stake while the insurance adjusters are representing the insurance company.

Still, the majority of professionals that meet each other in the field will find a way to get along. As long as neither party is overly aggressive or off putting, even if they don’t see completely eye to eye, they can at least understand that each is simply doing his job.

But this is where the other reason for a dispute comes from. Sometimes, the insurance adjuster does not wish to do his job correctly. There are times when an insurance adjuster may seem to go out of his way not to pay on a claim. He’ll refuse to act reasonably toward the contractor. In the worst case scenarios, an adjuster may even refuse to acknowledge storm damage as storm damage- completely stonewalling the claim and the repairs.

This is when even a usually mild mannered home improvement contractor may find it hard to keep his cool. It would be hard for anyone to turn his head the other way in the face of insurance behavior that is not only obviously unethical, but that also may have an affect on your bottom line.

The best thing for a contractor to do in this situation is simply defer to the homeowner. After all, it is the homeowner that is truly getting the raw deal. The homeowner is the person who pays for the insurance policy, so the fact for the homeowner is that he isn’t getting what he is paying for.

This is the last thing that a crooked adjuster wants to happen. They’d rather deal with the contractor because the contractor really has no final say in the matter. Most insurance adjusters will work happily with contractors out of common courtesy, both to the contractor and to the insured homeowner. They see the home improvement contractor as an extension of the homeowner, as they should.

Other times, an adjuster may pretend to work with the contractor and then try to bully or play games with the contractor using the fact that the adjuster is not obligated to settle with the contractor as his trump card. In this way, he placates the homeowner while acting unethically toward the homeowner’s contractor.

Certainly the contractor can argue his case, explain his estimate and try to get the adjuster to acknowledge damage. But, if the adjuster refuses to act reasonably, the best thing for a contractor to do is simply defer to the person who has the most power in the situation- the policy holder.

There was one instance when an insurance company was obviously trying to put a cork into a storm claim situation. There was a claim submitted in a community where dozens of similar claims had already been submitted and paid for (It was an obvious storm damage situation.). The insurance company had already paid on several of these claims and apparently didn’t wish to pay for them any further. Suddenly, the insurance company decided to treat a particular homeowner’s claim with extreme bias.

They sent a re-inspector after the initial adjuster inspected it. The re-inspector, along with other insurance field adjusters met with three members of the home improvement contracting firm. During the inspection, the re-inspector acted aggressively and even insinuated that the contractors had committed insurance fraud and caused the storm damage sustained to the property.

As soon as these accusations were made, a member of the home improvement firm simply called the homeowner and explained to her, in front of everybody, what was transpiring. Needless to say the re-inspector was not happy about this. He actually started to scream at the contractor that he would “sue him personally.”

The main reason why the re-inspector was so upset was because he knew he had acted inappropriately and unethically and was being called out for it. He was acting in a way that he would never act toward the actual policy holder. And yet, toward her contractor, he acted like a complete ignoramus.

As it turned out out, the insurance company approved the claim and apologized profusely (though never officially or in writing) to the contractor on several occasions to the contractor at several future meetings.

Insurance adjusters and contractors may not always see eye to eye with each other when it comes to homeowner claims. But, as long as the adjusters do not act unethically or perform biased inspections, there are few other reasons for them to be at each other’s throat. And, when an adjuster does act unprofessionally, the best thing for a contractor to do is point to the person in charge.

Tips on Hiring Home Improvement Contractors

If you want to give some added square footage to your home or upgrade your outdated kitchen to add value to your home and improve the quality of life, you can seek the help of San Francisco home improvement contractors. Home improvement and addition’s require a lot of planning and work, but they can greatly enhance the appeal and value of your home. Choosing the right contractor can help you accomplish the tough remodeling work successfully. It is worth the time to choose a contractor, with whom you feel comfortable with. You can make use of the online referral service offered by some reliable companies to select the most reliable contractor, who can help you meet your home remodeling needs.

Floor replacement is one of the most common projects done by many home owners in California. Beautiful flooring can give your home the perfect look. There are many types of flooring materials available in the market. The home improvement contractors provide you great assistance to choose the right material, after analyzing your home’s traffic, style and color of your home, maintenance required and foot traffic in your home. They guide you throughout the installation process. They can also help repair any damage in the existing floor so that it can regain its original charm.

Kitchen is the heart of any home. Many homeowners in California are willing to spend money to remodel their kitchen. If you want to upgrade your kitchen, our contractors can help you accomplish it easily and quickly. You can find the best contractors who offer a wide variety of service, ranging from simply installing new granite countertops to completely remodel the entire kitchen. It is crucial to discuss with your contractor first about your kitchen remodeling needs, so that your kitchen will look beautiful for years.

San Francisco home improvement contactors can handle each and every aspect of your project. Partnering with a reliable contractor who understands your needs and delivers value is the key to a successful home improvement project. The reputable contractors offer the best mode of operation and low overhead to provide you the most excellent performance at reasonable prices. You can save a lot of money and time by using their high caliber workmanship. They take away the stress in home renovation, offering you ultimate peace of mind.

How to Hire the Right Home Improvement Contractor

New York was dubbed the “City that Never Sleeps” for a good reason and that is the 24-hour hustle and bustle not only of traffic but people as well. Home improvement is an area which is increasingly gaining importance in NYC living. A very busy lifestyle, calls for a living space that would be worth coming home to no matter the size or type of residence. There may also be damages and functionality issues lurking somewhere and are only brought to the attention of the busy occupant when the damage is beyond repair. There is no doubt that in times when the need for maintenance, repair, renovation, and remodeling arises; the most ideal option for any New York City person is to get help from a home improvement contractor, but how do you hire the right one?

Good word of mouth is the best form of advertisement for every business operator and service provider, as well as the most damaging. Try to ask family members, friends, and neighbors for any recommendation. These people would be the best source for honest testimonials on the work of an NYC home improvement contractor. Be wary of names that come up when asking at some building materials store or at a local pool supply as these leads could just be among those that benefit from a finder’s fee scheme.

If you have nobody trustworthy to consult to regarding this search, check with the BBB or Better Business Bureau in New York first before spending minutes and hours going through the local Yellow Pages. While at it, see the list of home improvement contractors that have bad records or unresolved complaints to their names and make sure to steer clear from them. The Internet can also be a good source of information that could lead you to the right NYC home improvement contractor. You can browse through rip-off websites or simply Google the name of the professional that you are interested in, and you are sure to find either good or bad things about him. From here, you could already draw up possible candidates who have clean records.

After going through the steps, now is high time to screen them to determine the right home improvement contractor to hire. Phone each of your picks and tell them exactly the same details and get bids. When conducting the interview, never hesitate to ask many questions especially important ones. Do not base your choice on the price given by the contractor as the cheapest is not always the most economical and the most expensive does not always end up with the highest of quality. When comparing bids, consider what the contractor plans to do and the materials that he will be using. Make sure to get references to check out and verify his license.

There are numerous benefits in acquiring the services of a New York City home improvement contractor, so much more if you did your homework and hired a competent one. The time extended on going through the selection and the dollars spent would prove to be well worth it not only after the project has been finished successfully but in the long run. Hiring the right home improvement contractor for the job helps you avoid the risks of additional costs for maintenance and back jobs.