Demo and debris removal are frequently missing from initial estimates because estimating software often separates “remove” from “replace” line items. A complete scope must account for tear out labor, bagging materials, carrying debris, dumpster rental fees, and final dump weight tickets. Keep a structured gap log to track exactly which rooms are missing demolition costs … Read more
The Goal: Turn a chaotic list of items into a navigable map for your adjuster. The Method: Create a “Cover Sheet” or “Master Index” that links every item to its specific photo and receipt file. The Result: Faster review times because you remove the guesswork of “which receipt goes with which sofa.” The Difference Between … Read more
The Reality: I review dozens of files a day. If I have to hunt for your invoice or guess what a photo shows, I usually put the file aside for “later.” The Fix: Build a “Supplement Packet” that connects the dots for me. It should answer “What, Why, and How Much” in under 60 seconds. … Read more
The “Golden 5”: I never consider a call complete until I have the Date, Time, Rep Name, Claim Number, and Next Step written down. The “Scrap Paper” Risk: Information written on envelopes gets thrown away. I urge you to use one dedicated notebook or digital note from minute one. Verbal is not valid: If a … Read more
The Reality: In the world of insurance, “I sent it” means nothing. “I can prove you received it” is the only thing that stops the clock. The Method: Never trust a green “Upload Complete” checkmark. Always take a screenshot that captures your computer’s system clock. The Strategy: Treat your “Proof of Submission” folder as your … Read more
The Market Has Changed: With premiums rising 24% (CFA) and climate risks increasing (Treasury), insurers are tightening their review processes. Scrutiny is High: The era of getting the “benefit of the doubt” on vague claims is over. Files must be precise to pass through the system. Evidence Over Story: Shift your mindset from telling a … Read more