how to negogiate with Md ho ins co following hurricane/wind damage claim for best possible outcome. Now presenting them with 3 competitive proposals

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Feb 27, 2012

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Insurance Question from Solomons, MD

Asked on 02/27/2012

how to negogiate with Md ho ins co following hurricane/wind damage claim for best possible outcome. Now presenting them with 3 competitive proposals Hurricane irene damage in late august. insurance co adjustor came 2 months later to inspect and estimated repairs $17,000 below 1st repair estimate. Did not deposit insurance check. Spent next 4 months getting 2 more estimates from well respected, quality builders/renovators. Newest lowvbid makes difference about $7,0000. faxed all 3 proposals to ins co. what should I know to insure negotiation ends with ins check for full price of repairs? Never have dealt with insurance claim of this magnitude. my insurance policy covers complete replacement to origonal condition. help appreciated.

Answer given on March 01, 2012

If you suffered a claim for hurricane damage to your home and the adjuster did not offer a full settlement amount, you should be sure that this is the total amount being offered. Many insurance companies pay actual cash value, or a depreciated amount, at the start of a claim. Then, when you start repairs, they will increase the amount of the payment to reflect the actual cost of repairs.You need to contact the adjuster to be sure you understand the offer that was made. Ask if they are willing to increase the loss payment when you provide proof of the work that has been done, and that it will exceed the amount that you have received to date. They should have explained to you how the claims process works, but sometimes they simply assume that you understand how insurance works. If they are unccoperative, ask to speak to a supervisor. Be sure you have a wrtten estimate from the contractor you have chosen. The adjuster may want to discuss the the claim with them before making a final settlement offer.

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