If your roof insurance claim came back with a partial repair estimate instead of a full replacement, there’s a good chance an ITEL report is behind it. ITEL and similar testing labs analyze a shingle sample and often confirm that the original product line has been discontinued. Carriers frequently use that finding to justify a …
Continue reading “Inside the ITEL Report: Why “Discontinued” Doesn’t Mean “Patch It””
A practical educational guide to comparing property-damage scopes, quantities, pricing, documentation, and supplement questions.
A general educational guide to reviewing settlement releases, payment language, documents, and open claim questions before you accept.
Learn about the many factors insurers may weigh when evaluating a personal injury settlement offer, including liability, causation, medical documentation, liens, releases, and deadlines.
Learn how insurers may evaluate total loss, diminished value, and downtime for heavy equipment, trailers, and specialty vehicles — and what documentation can support your position.
Learn what diminished value means, how it’s evaluated, and what documentation may support a claim after a vehicle is repaired following an accident.
Learn what photos, measurements, and records to gather before accepting a property insurance estimate, plus a checklist for comparing it to your contractor’s estimate.
Learn how insurers calculate actual cash value on a totaled vehicle, common valuation errors, and what to check before accepting an offer.
Your policy has a hidden clock. Insurance companies know exactly when it runs out. Here’s how to find your real deadline—before it’s too late. You file a property damage claim. Your insurance adjuster says they need time to inspect. Days turn into weeks. Weeks turn into months. They’re slow. They’re thorough, they say. They’re gathering …
