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Tips for Disaster Survivors

Insurance negotiations are different than a standard negotiation such as when buying a car or trying to get a raise.
 
For example, when asking for a raise, one strategy might be to ask for more than you're willing to settle on. For example, if you make $20 an hour and want $25 an hour you might walk in asking for $30 an hour and be okay when you get $24.50.
 
When negotiating an insurance claim, you can not use this strategy. You need hard evidence that your claim is what it is and you can not budge because your evidence is solid. In fact, if you have a $500,000 claim and start at $650,000 just to "get down" to $500,000 the insurance company might be able to invalidate your entire claim because you fraudulently claimed $650,000 when you weren't owed this amount.
 
This difference is because you entered into the contract, or policy, before the claim and you already agreed on "replacement" and no more. What is "replacement"? Most people were told by their insurance company how much insurance they needed and that it would be plenty in case of a loss. If you have a loss and are finding they were wrong then come to our meetings or contact us for a policy/claim review.
 
For more Insurance Negotiation Tips, download our updated Negotiation Tip Handout at:
Handout11-NegotiatingTips.pdf

Inspirational Quotes

The history of humanity has always been a race between learning and disaster.

H.G. Wells

Testimonials

Please accept our humble appreciation for all that CARe has done for me and my family. You navigated us through the turmoil of the Tea Fire in Santa Barbara, almost 3 years ago. Thanks to your guidance we were able to recover more insurance funds. We had the Fair Plan, through Allstate. We recovered the additional funds from Allstate. Thank you for all you do.

Tea Fire Survivor, 2008