Restoration Companies often attempt to negotiate loss claims or damage with the insurance company specifically for their own selfish interests: inflated and quick payments to themselves and often leave the policy holder with insignificant coverage to repair or replace their damage to pre-loss condition. Restoration and Remediation Companies are not trained or expert in all aspects of loss and damages, nor are they trained in insurance law or policy language.
Insurance Companies prefer to work with contractors because the insurance company knows the homeowner or business owner does not realize the full extent of their “covered” loss. Thus, the Restoration Company only negotiates and is paid for their portion of work/loss by the insurance provider; leaving the insured – the victim without full reimbursement for their entire covered loss. We have personally seen many homeowners and business owners that had this happen to them, wherein the contractor signed off on a settlement release which does not allow the insured to reopen a claim. We had only large commercial client loss millions of dollars on one loss, with no recourse.
Your insurance provider should communicate with you–not any contractors. It is illegal for a contractor to represent you or adjust your insurance claim. Only Attorneys and Licensed Public Adjusters can legally be retained by you to negotiate or settle a claim with the insurance company and only with your authorization.
Contractors are specifically prohibited from “representing” policyholders in many States, in Florida specifically it is considered a 3rd degree felony and contractors are arrested regularly. Virtually all states prohibit contractors from this practice because it is either the unauthorized practice of law, public adjusting, or both. It is also unethical for the insurance company to encourage, accept and allow such practices (by contractors, restoration and remediation companies).
Use a Licensed Public Adjuster who is hired by you to protect only your interest through the insurance claims process. Contact United States Adjusters today and have your claim adjusted the right way!