When the Contractor and the Insurance Adjuster Disagree | Effective Methods To Unlock Stalemate

What should you do as the contractor if the insurance adjuster writes an estimate for a certain amount, you write your estimate as a supplement for twice that amount and the insurance adjuster tries to get you to agree to their repair estimate for only half that amount, in the middle? They say they will send the check if you agree to their estimate. Watch out for this. In this video, we cover exactly what to do about this challenge.

Please let me know what your thoughts are below.

For my online training course on Inspections - Estimates - Supplements (IES), please visit here:

Keep winning, my friends... Much love and God bless!
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For another highly valuable series of mine that covers how to write Xactimate estimates and actual insurance claim supplement case studies, please visit my highly acclaimed series called: "What's Wrong With This Insurance Estimate?", which you can access all episodes here:

Episode List:

For Episode 01 visit here:

Episode 02 is here:

Episode 03 is here:

Episode 04 is here:

Episode 05 is here:

Episode 06 is here:

Episode 07 is here:

Episode 08 is here:

Episode 09 is here:

Episode 10 is here:
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Strategy. Consistency. Diligence. Dedication. And most importantly of all, putting in the HARD WORK... that's REQUIRED... to WIN IN THIS GAME!

I'll see you at the top!

- Chad Michael
#ThePractitioner

[HoustonBuildingRepair]

This week is the first time I’ve ever seen this, We removed a tree off a house it had a metal roof. The adjuster said a lot of things, but in the end, he only approved about a
third of the roof. I told the owner this was only the first step but within the first 7 days of the storm his lawyer already claimed bad faith and gave them 60 days to approve the full roof replacement. There was no price attached just approval of scope of work.

[mattpritchett]

You are 100% correct. I typically have 100-500% of my claims. $14, 000 supplemented to $105k

[retrored]

As an active adjuster who has worked worked for a roofing company. Insurance companies have something called estimating guide lines which means this is how we address a claim. Adjusters enforce the policy. Which has nothing to do with GAF, Owens Cornering warranties etc. For example contractor says we had to replace the sheathing. Policy may have a endorsement. Endorsements add or take away coverage. Contractor says the sheathng is rotted. Policy says we don't cover dry rot. We need a nailable service policy states has to be damaged by a cover peril meaning if hail the size of a soft ball does not penetrate through the roof surface and damage the sheathing it will not be covered PER THE POLICY (get used to hearing that). When filing a supplement don't send in a bunch of photos up close with no labeling, overviews of slopes and elevations with a finger pointing at it like what part of the roof is that? What slope is that is that? Is that even the right property? Take a pic of the property mailbox or front elevation with the residence address on it etc... You want to make it as easy as possible for the adjuster to access the damages duh there the ones cutting the check aka don't fumble the bag. Adjusters have 100's of claims to deal with and every insured thinks there claim is the most important and rightfully so. Between buying licenses, taking file notes, sending emails, chatting with agents, answering phone calls, meetings, trainings etc.. Nobody has time to sit there and spin there wheels figuring what the hell there looking at because the contractors photos look like a kid holding a magnifying glass to ant. Make your life easier by paying attention to detail photos and a itemized estimate. Sythentic felt take a photo, I&W take photos leave no doubt that the material is present because if not do to high claim volume like 70 claims per desk adjuster and lack of detail guess what DENIED and thats another closure. Now if the adjuster is on fee schedule he or she is trying to write for as much damage (STORM RELATED) sudden accidental which means an act of god as possible because you receive a percentage of each claim you close. The video it's cool, however if you do the things I said I bet you get alot more supplements approved. FYI figure out if the insured has an ACV policy, Factoring, or scheduling. Because if its not a RCV policy you in for a rude awakening, but don't take my foolish advice.

[michaellutz]

This is truly invaluable information thank you for everything your doing this is awesome I will be getting to your master class asap

[benisplayin]

I have worked for insurance companies in the past. I would love to get back on a few lists. My contacts retired and the new guys preferred their own contractors. I was in the groove for a number of years after proving to a district manager that an agent was taking kickbacks from his construction accomplice. I had done many bids and had not gotten any of them. Always told better luck next time. When calling to check status on some of my quotes I was answered by the district manager. The bids on file did not parallel the ones I had sent. I courteously resent my bids to that manager. Yea it hit the fan.

[sherimatukonis]

As far as the time table.. it doesn't exist. You don't need new evidence. I'm in collections. I have collected from insurance carriers 2 or 3 years after they closed it. As long as the contractor did NOT agree to the insurance payment, you can still reopen it.

[karriecombs]

Do you know any contractors in Louisville, Ky or the Southern Indiana area that follows your way of dealing with insurance companies? I want my home repaired the right way, and the insurance company doesn't want to pay.

[aliveandwell]

The supplement game will cost you .50 on the $1.00

[raccon]

I put law, code, industry standards, the standard of care Bus.prof codes. CAL OSHA law, white paper everything and anything relevant I have learned through all associations.

The adjuster still ignore it all. Try to push there vendor tell clients we are to expensive. Tell us we can’t do this can’t do that.
We like to ask so are you the hired contractor preforming the work?

The amount of knowledge contractor need to be successful in restoration is crazy. I would Much rather just deal with engineers all day. At least they understand.

Contractor should not have to jump through adjuster hoops. All risk lays in our hands and we cannot act as a PA but these adjuster get away with acting as contractors.

The best thing we ever did was learn what we can do legal to engage the insured to participate in the claim fully. Thanks to people like you other associations and contacting a restoration construction lawyer. This has been a game changer. Good luck everyone.