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We're big fans of getting all of your ducks in a row with a scope of loss to make sure the insurance company is giving you a fair estimate (Read our free eBook for more information on a Scope of Loss). A very common software used in the industry for this purpose is Xactimate. I read an article recently that stated that while building material costs are going up, the value of those building materials is going DOWN in Xactimate.

Here is the graphic they provided in their story (read it HERE):

I encourage anyone going through a loss to still go through the pricing exercise but have all prices verified by a contractor who actually builds houses or performs the kinds of repairs you're having done to make sure you don't get short changed!

---Update---

A follow up blog post specifically addressing California was posted HERE.

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Nobody can go back and start a new beginning, but anyone can start today and make a new ending.

Maria Robinson

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Please accept our humble appreciation for all that CARe has done for me and my family. You navigated us through the turmoil of the Tea Fire in Santa Barbara, almost 3 years ago. Thanks to your guidance we were able to recover more insurance funds. We had the Fair Plan, through Allstate. We recovered the additional funds from Allstate. Thank you for all you do.

Tea Fire Survivor, 2008