Slide 1

Homeowners

Beginning in the 1990s insurance companies reconsidered [their] understanding of the claims process. The insight was simple. An insurance companys greatest expense is what it pays out in claims. If it pays out less in claims, it keeps more in profits. Therefore, the claims department became a profit center rather than the place that kept the companys promise(s). Jay FeinmanDelay Deny Defend2010

THE CLAIM GAME IS CHANGING.

Ive spent the last fifteen years working in the disaster restoration industry. If you had a flood, fire, or any other disaster covered by your insurance, Im the guy that put your world back together. I care, and I want you to feel as if your disaster never happened.

Insurance doesnt work when the company breaks its promise in order to increase its profits. Jay FeinmanDelay Deny Defend2010

My grandfather was an insurance agent.My uncle is an insurance agent. In the old world of insurance, the policy holder was the most important.

In this world, if a client pays his or her insurance, that person is coveredcompletely covered. If there is a disaster, everything is taken care of. But that is no longer the case.

The industry I have known is completely changed. My clients are no longer in good hands. They are no longer treated like good neighbors.The policy holders and contractors I work with are treated with suspicion and contempt. My work to service claims is falling under the accusatory gaze of adjusters.

These men and women are under constant pressure from their bosses to conform to a system that favors corporate profits over policyholders.

When the game changes, we have to innovate in order to survive and thrive. Claims Delegates exists to help you thrive in the new world of insurance claims.

Gone are the days when a homeowner can submit their contractors repair estimate and get paid promptly. Todays repair estimates must be submitted using specific software (Xactimate), in a specific format, within specific parameters. Skip this process and your estimate is considered Non-standard, andtheserepair estimates are either completely ignored orpayment is severely delayed.

Worse, if the payment is made right away, it usually means that your estimate isfar belowwhat the insurance company thinks it may owe: you left money on the table.Theres no end to the excuses insurance companies can come up with to avoid paying claims. Ray BourhisInsult to Injury2005

Yes, the game has changed. I can show you how to play it right. Restoration contractors still enjoy some of the highest profit margins in the construction industry. Fire and water damage repairs continue to be extremely lucrative and rewarding. You just have to know how to play.

Insurance companies rely upon the ignorance of their own policyholders. An uninformed policyholder will rarely argue with an adjuster, because they dont know what they dont know. Russell LongcoreInsurance Claim Secrets Revealed!2006

Homeowners that understand their rights and are willing to educate themselves will continue to enjoy settlements that far exceed those of the uneducated masses.It is not uncommon for a homeowner to receive several times what the insurance company originally offered.You just need the proper tools.

Claims Delegates helps you navigate the changing insurance landscape. I will show you the way through a minefield of restrictions, objections and deny first, pay later systems set up to keep insurance carriers from paying their fair share.WHEN YOURE READY TO PLAY THE GAME, BECOME YOUR OWN DELEGATE.

When its time to talk to your insurer, talk to a Claim Delegate first.Claims Delegates is ready to serve and support you through the process, whether youre looking to expand your restoration business or recover from a catastrophy.CONTACT US,

www.Claimsdelegates.com or call: 888.745.7568

We make insurance WORK.