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Tips for Disaster Survivors

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

Don’t totally rue the 'bad stuff'.  Perhaps it’s just fertilizer for what will grow next.

Dr. Laura

Testimonials

After a fire took our home and neighborhood of approximately 200 homes, CARe was able to help us with understanding the process of working with insurance after our loss. The founders of this company understood our position fully, as they have experienced losing their own home to a fire. They will help you by offering one on one consultation, help you calculate your “complete” loss and educate you in the way insurance really works. We were able to gain a more complete recovery of our loss through their integrity and competent ability to help us to understand the insurance industries goals, payments and procedures which are not taught by the insurance industry. If you are unfortunate to have this type of trauma in your life I fully recommend you to get a free consultation before signing anything with your insurance company. You have experienced enough; let CARe guide you through the process, you do not have to lose anything else.

Grass Fire Survivor, 2007