Insure To Value

Companies typically use software like Marshall & Swift’s “Residential Component Technology” which is a construction cost and dwelling evaluation computer program.

The computer programs are sophisticated and have been “perfected” over many years. The computer programs can be modified to limit the coverage of your dwelling.
 

 “With more than 70 years of experience, MS/B counts over 100,000 individual users, including underwriters, claims adjusters, inspectors, and agents.”

-June ‘03 MS/B
Press Release

If ALL parameters are inputted, an accurate replacement cost (Coverage A limit) for your dwelling can easily be determined. This process usually takes about 15 minutes, but unfortunately the software isn’t always used to it’s full potential.

What are the minimum required field in the software to determine a coverage amount?

  • Zip Code
  • Building Type 
    (Related to occupancy)
  • Stories
  • Square Footage
  • Construction Type 

Do these questions sound familiar? When you've called an insurance agency or company to get a quote, are these are the questions they’ve asked?

 

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Inspirational Quotes

Calamity, n.  A more than commonly plain and unmistakable reminder that the affairs of this life are not of our own ordering. 

Ambrose Bierce, The Devil's Dictionary

Testimonials

We lost our home in the 2007 Witch Creek Fire in Poway CA. As was the case with most (if not all) of my neighbors, we were drastically under insured through no fault of our own. I don’t believe that anyone is prepared for such a catastrophic emotional and financial loss. The task of completely rebuilding your life is monumental. Fortunately, the city of Poway co-operated with CARe and allowed them to hold bi-weekly insurance meetings in the City Chambers. After attending 2 of the group meetings we then scheduled several one-on-one meetings with CARe and were able to start to piece together the puzzle that is a catastrophic insurance claim. The resources which CARe was able to put us in touch with were incredible, and after they showed us the basics of handling an insurance claim we felt that we had knowledge to work through the once daunting task of negotiating with our insurance company. We could not have made it through the process without the information, help and encouragement that we received from CARe

Witch Creek Fire Survivor, 2007