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Maximize Insurance Dwelling & Code Upgrade Payments – Paid Services

Current as of this writing.

1) North Bay Fire Claim Assist https://www.northbayfca.com
Matt Everson and Bill Wallace.
$4000 flat fee.  Lic. 1035130
1423 13th Street, Santa Rosa, CA. 95404
(707) 595-8912
Read More Here.

2) Scope Writing Services, LLC
California LLC.
Linh Pham: 360-975-9989   L.phamstargaz2112@gmail.com
Larry Izzo: 415-317-2468  Larryizzo@aol.com
Fee:  1-1.5% of dwelling coverage

3)  If I am not getting this wrong, Caymus Builders are willing to do an estimate of your house “as was” for the purpose of scope of loss and O&L:   “Rob Auger of Caymus Builders … charged $1000 and did a detailed “starter estimate.”  His phone is 916.869.4664.”  However, this was posted a while ago, so don’t know if they are still willing to do this.  Last I heard, they may be unwilling to work on any house that costs less than $1 million to rebuild.

4) Public Adjusters. Fees are, I believe, 8-20% of policy limits.  Don’t know if they will do a partial, eg (just contents or just dwelling).  Greenspan is one active for these fires, but there are others.  https://greenspanai.com/  Another list member mentioned Brian Levy at Alliance Loss Consultants who might charge less than 5%.

Please let me know if I’ve missed anything.

Opinions:

A strategy offered by Linh Pham: If you are getting scope of loss help, or if you are hiring a contractor just to do the O&L, you can ask your adjuster (or their supervisor) that the extra cost be paid out as a “claims preparation expense” which is not part of your policy but part of the same bucket used to pay adjusters.  SF is paying the adjusters a lot of overtime in extending our claim by not paying policy limits, so there is plenty of money.  Adjusters may say no, but the answer is always no if you don’t ask.  I believe that at least one member mentioned that their adjuster said “no,” while another adjuster said “yes.”

Claimants who are rebuilding and pretty close to meeting dwelling policy limits may not need these services as their limits may be met as rebuild happens, esp with respect to O&L.

Claimants who are not rebuilding or are very far from meeting dwelling policy limits may feel the need to consider one of the above services.

Claimants who are rebuilding may get help from their builders with O&L and other parts of their dwelling coverage, and some of those claimants’ adjusters are accepting those numbers.

Same as above, but those claimants’ adjusters are NOT accepting their builder’s numbers. Here’s a thought.  For those claimants who share the same builder (and insurer), maybe going in together to get help from a Scope Writer *might* be an option to reduce the additional cost (like the group discounts available when some of us did soils testing or topo surveys). Can’t hurt to ask.

 

Neighbors Together ~ Strong & Resilient does not provide any advice or endorse any service provider or agency. 

October 2017 Northern California Firestorm: Tubbs Fire in Santa Rosa: Coffey Park; Fountaingrove (Hidden Valley Estates (HVE) is lumped with FG); Larkfield-Wikiup-Mark West-Riebli; Rincon Valley-Deer Trail-Calistoga Rd; Bennett Ridge (Nuns/Annadel Fire) . . . See more . . . »

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