Home-owners

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Homeowners 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. 
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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 the 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.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
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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.
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When its time to talk to your insurer, talk to a
Claim Delegate first. Claims Delegates is ready
to serve and support you through the process,
whether youre looking to expand your restoration
business or recover from a catastrophy. CONTACT
US, www.Claimsdelegates.com or call
888.745.7568 We make
insurance WORK.