lies adjusters tell (#9 in a series):

By Ray Choate ~ February 13th, 2014 @ 6:19 am No Comments »

“I think you can do the job for the amount I estimated it for, I know 5 companies that can do it for that price. So we don’t have to follow the rules in Xactimate even though that is how we estimate the job”

The truth is that you can’t have your cake and eat it too. Either you accept contractors bids as the pricing standards or you use Xactimate estimating and accept that. Or other estimating platforms. The truth is a contractor can charge anything that is reasonable and ICs set the standard of what is reasonable using Xactimate.

The adjusters opinion of what a job should cost or whether a contractor deserves 5,000 of overhead and profit or not to co-ordinate a job is not relevant. Adjusters are not experts at being businessmen. Adjusters are not tradesmen in most cases. Adjusters do not have signed contracts with your client to do the work. Adjusters don’t pay your office, promotional or Liability Insurance costs or Workers comp.

They only have to try to make their Insurance company happy with how much they saved them.

Lies adjusters tell (#8 in a series)

By Ray Choate ~ February 8th, 2014 @ 5:39 pm No Comments »

“House wrap does not need to be replaced when replacing siding”

The truth is regardless of what the old house wrap may have been nailed or attached to removing the siding will leave penetrations not intended by code or the manufacturer. This will then allow moisture intrusion… If rolled 15 was used as it often has been in the past it is likely deteriorated and removing the siding will also create other tears etc. 15 cannot be patched.

Lies adjusters tell (#7 in a series)

By Ray Choate ~ February 7th, 2014 @ 7:54 pm No Comments »

“Things would go much better if contractors just accepted our fair estimates”

The truth is that almost no claims are estimated and paid fairly per the policy. Adjusters know they have been given rules which are intended to cheat their clients. The truth is – Insurance company abuses of their policyholders causes a vast majority of the conflicts which exist in the Insurance business.

Gaslighting – Wikipedia, the free encyclopedia

Gaslighting is a form of psychological abuse in which false information is presented with the intent of making a victim doubt his or her own memory, perception and sanity.[1] Instances may range simply from the denial by an abuser that previous abusive incidents ever occurred, up to the staging of b…

lies adjusters tell (#5 in a series)

By Ray Choate ~ February 6th, 2014 @ 10:24 pm No Comments »

“I am here to help”

Like a good neighbor, In good hands, Responsibility is our policy, we are on your side, etc and all the slogans and sales techniques used by Insurance companies as well as PR statements made by adjusters to policyholders are very often lies.

The truth is that adjusters are hired by Insurance companies and work for them and their financial interests, not as a group hug team. They are trained to look for damages but more often are coached as to the best methods of denying claims, damages and underpaying where they can not outright deny. They are told to pervert pricing systems and software at pencil pushers advice to save money on claims. They engage in extensive Propaganda campaigns and legislative and legal battles to defeat and make anyone who opposes their practices look bad. That includes their policyholders, contractors, PAs and lawyers who would cost them what they mainly concentrate on – their profits. Big and small Insurance companies are not your friends. They do not practice what they like to present in their public advertising.

Further Reading

lies adjusters tell (#9 in a series):

Lies adjusters tell (#8 in a series)

Lies adjusters tell (#7 in a series)

lies adjusters tell (#5 in a series)

Lies adjusters tell (#4):

Lies adjusters tell (#3 in a series):

Lies Insurance adjusters tell you (#2 in a series):

Lies adjusters tell #1 in a series…


Did you know?

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