On Fri, 22 Mar 2013 23:12:47 -0400, Ed Pawlowski wrote:

On Fri, 22 Mar 2013 13:20:09 -0500, Jimmy Volleyball
wrote:



I used to be an insurance adjuster. Most people never read the
policy to see what they are buying. So then they bitch and whine
when the find out what they bought. That's the first thing. Read
the damn policy BEFORE buy it.

Yes
Most of us don't understand all of the fine print.


Another reason to use a good broker. Being independent of the
insurance companies, and working for YOU, not the insurance company,
they can help you be sure you are getting the insurance you need, and
understand your coverage.
Yes, there are useless brokers out there, but on the whole you are
generally farther ahead with a broker than withan agent. ( or a
direct-sale over-the-phone company)



Then call the adjuster. When they come out, give
them free run of the place and let them do their job. Then when
they present their offer to you, demand that they provide you
with the name, or names, of the skilled technicians the adjuster
believes will honor their estimate. If they refuse to do that, go
right straight to your state insurance commissioner and register
a complaint.

What about the companies that advertise they will get your home or
auto repaired properly? I assume they have contractors that will work
with them at the prices they offer.

Seems too easy to just say "go ahead, make it right and Ill be happy"