Homeowners

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Homeowners
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Beginning in the 1990s insurance companies
reconsidered their understanding of the claims
process. The insight was simple. An insurance
companys greatest expense is what it pays out in
claims. If it pays out less in claims, it keeps
more in profits. Therefore, the claims department
became a profit center rather than the place that
kept the companys promise(s).  Jay
Feinman Delay Deny Defend2010
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THE CLAIM GAME IS CHANGING. Ive spent the last
fifteen years working in the disaster restoration
industry. If you had a flood, fire, or any other
disaster covered by your insurance, Im the guy
that put your world back together. I care, and I
want you to feel as if your disaster never
happened.  Insurance doesnt work when the
company breaks its promise in order to increase
its profits.  Jay Feinman Delay Deny Defend2010
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My grandfather was an insurance agent. My uncle
is an insurance agent. In the old world of
insurance, the policy holder was the most
important. In this world, if a client pays his
or her insurance, that person is
coveredcompletely covered. If there is a
disaster, everything is taken care of. But that
is no longer the case. The industry I have
known is completely changed. My clients are no
longer in good hands. They are no longer
treated like good neighbors. The policy holders
and contractors I work with are treated with
suspicion and contempt. My work to service claims
is falling under the accusatory gaze of
adjusters. These men and women are under
constant pressure from their bosses to conform to
a system that favors corporate profits over
policyholders. 
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When the game changes, we have to innovate in
order to survive and thrive.  Claims Delegates
exists to help you thrive in the new world of
insurance claims. Gone are the days when a
homeowner can submit their contractors repair
estimate and get paid promptly. Todays repair
estimates must be submitted using specific
software (Xactimate), in a specific format,
within specific parameters. Skip this process and
your estimate is considered Non-standard,
and these repair estimates are either completely
ignored or payment is severely delayed. Worse,
if the payment is made right away, it usually
means that your estimate is far below what the
insurance company thinks it may owe you left
money on the table.Theres no end to the
excuses insurance companies can come up with to
avoid paying claims.  Ray Bourhis Insult to
Injury2005 Yes, the game has changed. I can show
you how to play it right. Restoration
contractors still enjoy some of he highest profit
margins in the construction industry. Fire and
water damage repairs continue to be extremely
lucrative and rewarding. You just have to know
how to play.
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Insurance companies rely upon the ignorance of
their own policyholders.  An uninformed
policyholder will rarely argue with an adjuster,
because they dont know what they dont know.
Russell Longcore Insurance Claim Secrets
Revealed! 2006 Homeowners that understand their
rights and are willing to educate themselves will
continue to enjoy settlements that far exceed
those of the uneducated masses. It is not
uncommon for a homeowner to receive several times
what the insurance company originally
offered. You just need the proper tools. Claims
Delegates helps you navigate the changing
insurance landscape.  I will show you the way
through a minefield of restrictions, objections
and deny first, pay later systems set up to
keep insurance carriers from paying their fair
share.WHEN YOURE READY TO PLAY THE GAME, BECOME
YOUR OWN DELEGATE.