Most insurance policies contain terms that are hard to understand, and the policies are often written ambiguously and confusingly. Besides providing coverage, policies also assign responsibilities to the insured and duties to the insurer. One duty is the implied covenant of good faith and fair dealing. A moniker for the breach of this covenant is Read More
In California, it’s illegal for an unlicensed person to bid for or perform any home improvement valued at $500 or more in combined labor and material costs. The Contractors State License Board (CSLB) licenses and regulates almost 290,000 contractors in California and is one of the leading consumer protection agencies in the United States. In Read More
‘We Don’t Pay for That.’ Why DON’T you Pay for That? The insurance industry is legally required to adapt to what the restoration industry charges. It is not the other way around. Carriers need an objectively reasonable justification for denial of claims decisions or they face liability for insurance bad faith. “When restorers allow insurers Read More
There is continuous confusion about work authorizations and contracts. A work authorization authorizes the restorer to enter and do the work. A contract is an agreement between 2 or more parties intending to be legally enforceable. Work Authorization + Payment Clause ? Contract. The purpose of a contract, especially when thought out intentionally, is to Read More
Break the Vicious Circle With Insurance Adjusters “Let’s face it; the property damage insurance claim environment has become increasingly adversarial in recent years. There is plenty of blame to go around. Some adjusters are too heavy-handed in adjusting and some restorers are too heavy-handed in billing. Insurers who routinely chop 25% off every restoration invoice Read More
Restorers complain that insurance companies pay too little and don’t treat them fairly, but some restorers contribute to the problem by pandering to insurance companies and foolishly undercutting the value of restoration services. Not only are these cannibal restorers driving down prices but they have started driving the homeowners against them too. Homeowners have started Read More
A mechanic lien is a security interest against real property recorded in favor of a party who prepared or improved that real property. It constitutes an encumbrance against the legal title on the property. Liens are often invalid because they are not timely recorded. Don’t take chances or rely on guesswork when filing a lien. Read More
This video was initially released in 2010, yet this problem is still common in the restoration industry; Monday morning quarterbacking by adjusters and competitors throwing criticism about the work being done or the price being charged. They throw judgment at the first responders who witnessed and inspected the actual emergency firsthand. Courts place a high Read More
R&R’s Valerie King gets the low down on the RIA initiatives being tackled this year. A few initiatives discussed include: Developing career pathways with the IICRC New position papers such as the New Construction Price List Industry Key trends and the RIA 2022 International Restoration Convention in April. Watch the podcast here to get the highlights of all that RIA is Read More
Clarifying CA v. Montgomery-Sansome In December 2021, a California trial court decision caused confusion in some circles regarding contractors’ use of Assignments of Benefits (AOB). The case, entitled California v. Montgomery-Sansome, is not about AOBs. The case is about illegal public adjusting and the failure to comply with California’s strict rules about what must be Read More
End of content
End of content