In good faith you sign the insurance policy application and pay the premium thinking you will be protected if you sustain severe storm, water, flood or fire damage. The time comes and you have damage. You file a claim and you think you are covered per the policy and then you discover after months or years that you have been screwed by the very insurance company who you trusted.

Contractor New Image Construction Rebuilds Wales Family Home Destroyed By Fire In Time For Christmas.

On May 30, 2012 a child accidently ignited a fire that destroyed the family home in Wales, Massachusetts. Thankfully mom, dad and their three young children miraculously got out in time. But the home and everything they owned were destroyed. Mom was a stay at home parent and dad can no longer work due to a medical disability. With three children under 8 their whole world was turned upside down. They did not know where they were going to go or how they could rebuild their lives. 

Contractors in New Jersey, New York and Connecticut are in high demand after the devastation caused by hurricane Sandy. To a lesser extent Massachusetts and Rhode Island saw some damaging winds and rains. Contractors seeking to do insurance repair work should learn about the nuances before taking on this kind of work. This work can be profitable and the money from a claim can lead to additional opportunities. There are a few things to consider before taking on insurance work:

A recent insurance claim did not include the costs for OSHA Fall Protection for my contractor client. The claims adjuster carried two ladders and a plank in his claim estimate to do a 30 square roof on a 2 story colonial. He either did not know how to properly assess staging or he did know and tried to get away with excluding it.