If we have recommended that you bring on a third party, this page is for you.
Rarely we will recommend bringing on an independent 3rd party to aid in your claim. Listed below are the most common experts we would ask you to obtain. We know that most likely you will need a referral to obtain these experts. Please reach out to your Construction Advocate for a list.
This is an adjuster licensed by the state that will represent you to the insurance company. Normally we only recommend hiring this professional if coverage has been unduly denied, or to address policy concerns that we as a general contractor are not allowed to discuss by state law. We recommend a public adjuster be hired on less than 2% of our jobs.
THIRD PARTY DAMAGE ASSESSOR
Sadly, Indiana does not require insurance staff adjusters to be licensed. *SOURCE And many companies take advantage of hiring under trained new adjusters who deny coverage, without just cause. If we believe this to be the case, we may recommend bringing in a state licensed adjuster to work as a third party assessor to prove covered damage.
Much like the staff adjuster, when the insurance company hires an engineer he/she works for the insurance company. Past experience has proven their reports to be biased. This makes sense after all the insurance company is footing their cost. There would be no reason for the insurance company to spend the extra expense hiring an engineer to PROVE a covered loss... so common sense would lead any competent individual to conclude that they want them to DENY damage. We have combated biased engineering reports with fair engineers in the past.
This is an independent 3rd party used to determine the exact cost of replacement when we can not come to an agreement with the insurance company's adjuster. This professional is used a little more often, especially with smaller insurance companies that try and short change customers. Please watch the video below provided by Steve Patrick with LP Loss Consulting.