1. Did you obtain a certified policy?
Without this document (see Q&A at right) and a full
understanding of its contents, you’re at the mercy of the
company adjuster’s interpretation of your policy. This could
place you at a considerable financial disadvantage.
2. Are you able to prepare or negotiate structural estimates?
A) Company adjusters writing structural estimates are working
for the insurance carrier. Checking their work is critical and
B) How can a contractor that does not know your policy write an
estimate maximizing your benefits?
3. Are you conducting your own inventory or allowing the
insurance company to document your loss?
Inventory preparation is labor-intensive and should be done with
meticulous detail. It is most productive when performed by
someone with incentive and experience.
4. Were you told to start cleanup before settlements have
Unless firm agreements have been reached, you may be throwing
away money. NEVER dispose of property until satisfactory
agreements are obtained.
5. Is a CPA working as your forensic accountant?
Forensic accounting is a highly specialized area of accounting.
It is best accomplished by a specialist, such as those employed
6. Do you believe insurance companies pay their employees to
maximize claims and work in your best interest?
If these questions raise concerns
regarding the direction of your claim, you may be “in over your
head.” Please call PAB for your no-cost, confidential