Insurance Claims

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Insurance Claims

We Provide Insurance Claim Representation in Getzville, NY


Know Your Rights!

When homeowners or business owners experience a loss, it is very easy to be misled or taken advantage of by insurance adjusters. Let's face it, how many times does the typical homeowner purchase a new roof in his or her lifetime? You pay your insurance premiums faithfully, in the hope that you will never need to use it. When a loss does occur, however, you should know your rights!
While every policy seems to differ a bit in what exactly is covered, the general theme is to restore the homeowner to "pre-loss condition." What does this mean? We have seen some insurance companies that attempt to force the homeowner to select particular contractors based solely on lowest price. The results are almost always a poor quality "patch" job, which usually results in diminished property value. If you have ever experienced a loss, you may have been told, "Get three or four estimates and send them to us."
It is appalling that an insurance company, or their adjuster, would abuse their insured in this manner, not to mention asking you to in turn to complete their leg work, deplete your time, as well as the unpaid Contractor's time and resources.

In most cases, a professional adjuster can settle a claim within days. However, it is important to be aware that these folks work for the insurance company. There are some adjusters, that when rubbed the wrong way, can get lazy and stubborn, thereby prolong your settlement indefinitely. 
They are supposed to be able to visit the site and evaluate the loss themselves. Instead, they ask for estimates to be provided to them, then select the lowest priced estimate, and from there, make deductions for such things as depreciation, betterments, etc. Professional contractors, therefore, are reluctant to even get involved with this process once they know it involves a homeowner's insurance situation. Collingwood, however, will get involved on your behalf. We have been highly successful in negotiating very fair settlements for our clients. 
While we absolutely will not defraud the insurance company, we will fight to ensure our client's interests are fairly represented. In most cases, there is no reason you should have to pay more than your deductible when a loss occurs.

We won't compromise the quality standards we live by to please any insurance company, and neither should you. We have a great deal of experience in dealing with insurance companies and adjusters, and we carefully evaluate each situation to be certain the settlement provided adequately covers the cost of restoring you to "pre-loss'' condition, or in other insurance jargon, "make you whole again."
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