Staying on Top of the Insurance!

Dear Dave, A tree fell on our house yesterday and did quite a bit of damage. We're talking with the insurance company now. Is there anything we should watch out for where they are concerned? Ian Dear Ian, For openers, the insurance adjuster is _not_ your pal. He works for a huge company which got that way by paying as little as possible. You have lots of rights under your policy, and you should insist on all of them. Let them know that you expect your house to be put back in _exactly_ the same shape it was before the accident, and that you expect the work to be completed in a professional manner, and as quickly as humanly possible, by contractors whom you get to approve. This is your home we're talking about! You've paid premiums for years, and now it's time for the company to make good on their promise to protect you. Adjusters are loyal to the company that pays them. There's nothing wrong with that. Will some of them lie? You bet! Will some of them give you bad advice or send you down the wrong path? Oh, yeah! Certainly there are honorable adjusters, but there are some that will stretch the truth and more. Don't be combative, but don't be a wimp, either. And don't sign a release until _both_ your head and your heart know that you have been treated fairly. - Dave
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