Whats Covered?
During an emergency, homeowners are NOT required to get multiple of these before choosing a contractor
Quotes
Photos from each job should be kept organized by this
jobsite
If you feel pressured to answer an adjuster’s question, ask them to send the question this way instead.
Deductibles only apply ______ for the entire claim (trees,damage to home, lost perishables, etc.)
Once
Homeowners have the right to choose this person/company after a storm
Their contractor
Insurance typically only covers this much for debris removal after the tree has been removed from the structure
$500
The higher the job cost, the more of these you should have
Photos
Stay in contact with the homeowner and adjuster at least this often
Weekly
During emergency situations, rates can increase by this much or more
2 to 3 times
After a loss, homeowners are responsible for doing this to prevent additional damage.
Mitigate further loss
Stump removal is typically only covered when the stump prevents this from happening.
Repair of a structure
Carrier, policy number, claim number, and adjuster information should all be collected at this point
at the time of contract
Knowing the insurance process is important, but you should never present yourself as having this role
An Adjuster
After a storm, homeowners should keep receipts for claim-related expenses, including these two less-obvious examples.
lost perishables (food) and hotel stays
Homeowners are responsible for minimizing these two things after a loss.
Hazards and risks
During a named storm, deductibles typically range between these two percentages
2% and 10%
When proving a covered loss, this responsibility falls on both you and the homeowner.
burden of proof
Some adjusters may try to do these three things to a claim
reduce, deny, or defer
A legitimate storm job costs $25,000. The homeowner asks you to bill insurance $29,000 because they have a $4,000 deductible. What are they asking you to do and what is this?
cover their deductible - fraud
A homeowner delays taking action after a storm and the damage gets worse. This could potentially create a second claim or be considered this.
negligence
What do Coverage A and Coverage B refer to on a homeowners insurance policy?
A = Main Dwelling; Coverage B = Detached Structures.
These two types of equipment are specifically mentioned as things you should photograph when they impact the price of a job
crane and bucket truck
Be prepared to lean by this day
Day 60
Name three factors that can cause emergency tree-service rates to increase during a catastrophic event.
Any three of these three - overtime labor, out-of-town pay, hotels/VRBOs, equipment demand, gas/supply shortages, unsafe work, or emergency scheduling/canceled work.
A homeowner is told they must wait for three estimates before emergency tree work can begin. Based on the rights covered in the meeting, what two things make that statement incorrect?
They have the right to immediate service and do not have to get quotes