Dealing With Your Insurance In a Disaster
I’m actually attending a convention or conference and had a very interesting speaker earlier today and I just want to share some of the things that he shared with us that were consistent with what I already know and trying to share it with you as well.
His name was Robert Stevenson. He’s a business consultant. He’s written a lot of books. He is a motivational speaker who is very entertaining. Who was very good. His website is RobertStevenson.org. If you have an opportunity to listen to him or read his books, he is very good.
One of the examples he shared with us today is he does consulting and worked for different companies. A lot of different companies in different industries any shared in contrasted two of his customers who were both insurance companies.
One of his customers that was an insurance company, he had very good things to say about them and basically that they did the right thing for and by their customers. They took care of them and they went the extra mile to take care of them. They were honest and straightforward with their adjusting.
He felt good about having them as a client. That company he named them and praised them and had great things to say about them. He contrasted that with another client who was also an insurance company. He has done work for them for one maybe two years. He had an occasion and opportunities for feedback about what they failed to do which was exactly the opposite the other insurance company.
He shared instances where they intentionally didn’t take care of customers. Even when they knew there was an obligation. It was a covered event. There was liability. They didn’t pay and they didn’t take care of them. They drug it out and they forced the customers to hire attorneys and go legal and by those kinda maneuverings, drug it out a year up to two years to pay out on the claims that were owed.
The culture, the attitude, the honesty and the character of that insurance company wasn’t good and wasn’t somebody he wanted to continue to do business with. When they call them back and invited him back, he told them that he didn’t care to do business with them any more.
What I would like to share with you is, not all insurance companies are the same. Not all of them intend to honor their responsibilities. It’s not when there’s a claim to be adjusted. Don’t take it for granted that it will be taken care of trouble-free.
I see lots of variations in the claim process from insurance company to insurance company and from adjuster to adjuster and variations from one instance to another. so my urge would be to be prepared yourself. Don’t leave yourself vulnerable. Don’t leave yourself uneducated. Don’t leave yourself assuming that everything will be okay.
Sixty to seventy percent of the time you probably will be okay. but often enough you need to be educated, prepared and have somebody on your side that knows what they’re doing, that has been through the process before and helping to look out for your interest.
Another reason why I advocate that you hire a restoration company that’s your own choosing. If you say yes to an insurance company preferred vendor, the are loyal to the insurance company. You don’t have anyone that’s loyal to you.