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Insurance negotiations are different than a standard negotiation such as when buying a car or trying to get a raise.
 
For example, when asking for a raise, one strategy might be to ask for more than you're willing to settle on. For example, if you make $20 an hour and want $25 an hour you might walk in asking for $30 an hour and be okay when you get $24.50.
 
When negotiating an insurance claim, you can not use this strategy. You need hard evidence that your claim is what it is and you can not budge because your evidence is solid. In fact, if you have a $500,000 claim and start at $650,000 just to "get down" to $500,000 the insurance company might be able to invalidate your entire claim because you fraudulently claimed $650,000 when you weren't owed this amount.
 
This difference is because you entered into the contract, or policy, before the claim and you already agreed on "replacement" and no more. What is "replacement"? Most people were told by their insurance company how much insurance they needed and that it would be plenty in case of a loss. If you have a loss and are finding they were wrong then come to our meetings or contact us for a policy/claim review.
 
For more Insurance Negotiation Tips, download our updated Negotiation Tip Handout at:
Handout11-NegotiatingTips.pdf

Inspirational Quotes

It does not do to leave a live dragon out of your calculations, if you live near him.

From The Hobbit by  J.R.R. Tolken

Testimonials

The resources you provided, and the general meetings for fire survivors that CARe sponsored in our area offered incredible amounts of information. The meetings also gave an opportunity to confer and commiserate with other fire victims and to observe how much your services aided them as well. The open forums gave all victims the opportunity to share experiences so that we could measure our own reality based, progress. The one on one personal consultations with you enabled me to address concerns that were specific to our particular circumstances and added a measure of comfort to the overall, very stressful process. Most importantly, is that the great faith my husband and I had in our insurance company proved to be well founded. Your analytical assessment, based on researched knowledge, was a solid ratification of what the company did for us. We had no doubts about the settlement offer and signed it without hesitation and absolutely no looking back. Thank you again.

Witch Creek Fire Survivor, 2007