Working With Insurance Carriers
The Texas Reconstruction approach to insurance claims is collaborative. It is our goal to analyze a loss objectively and determine the legitimate and realistic expected cost of repairs and communicate the scope and cost clearly to both the customer and the insurance carrier.
All too often, we run into parties on both sides of the situation, property owners and insurers, who come into a situation with preconceived notions about all other parties’ intentions. Many property owners believe their insurance company is going to short change them, and many insurance carrier representatives believe their customers have the capacity to be dishonest and wrongly inflate their claim. Often times, both owners and insurance companies assume that contractors are just out to make a dollar, even if that means they need to take short cuts on projects or over charge the insurance carrier to meet their target profit.
We take a positive approach and try to make an incredibly difficult situation as smooth and easy as possible for owners and insurance carriers alike. We do this by fostering open communication from the get go. We truly believe that most everyone comes into a situation like this with good intentions and if everyone can remain focused on the goal of coming to an agreement on an objectively reasonable scope and cost of repairs, then everyone will walk away happy.
We encourage owners to interview a few contractors and select one they can trust and communicate with and that can communicate with their insurance company. It is our opinion that seeking out several competitive bids can muddy the settlement process, so we encourage potential customers to let their contractor and insurance company work together to create a fair estimate for repairs.
TRC has developed strong referral relationships with many major insurance carriers over the years, particularly among long time and very experienced adjusters. These relationships are built on trust because these companies know that we will be fair to them and that we will do everything we can to help their customer.