A supplement is an additional request submitted to your insurance company to cover repair costs that were not included in the original settlement. It is completely normal and happens on almost all major claims when hidden damage is uncovered during the actual repair process. Your contractor should be the one to document, draft, and submit … Read more
Xactimate is the industry standard software used by insurance adjusters to calculate property damage repair costs. The software relies on a regional database of historical average prices, which often lags behind current, real world contractor rates. A difference between your insurance offer and your contractor’s quote is usually caused by a “scope gap” (missing repair … Read more
The national average denial rate for property claims has reached 37 percent, meaning the process requires far more rigorous documentation today than it did twenty years ago. Algorithmic pricing tools like Xactimate often lag behind actual local contractor rates, frequently resulting in initial settlement offers that fall significantly short of real-world repair costs. Relying on … Read more