Claims Delegates

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SELLER BEWARE: This contract language will cost you your margin and your leverage.
A contractor sent me a contract today with this language in it:
"This Agreement is contingent upon insurance company price and approval."
That one sentence hands your entire business over to the adjuster.
No defined price means no enforceable contract. It is legally a NULL agreement. You worked, you invoiced, and you have no contractual basis to demand payment above whatever the carrier decided to approve.
The supplement language makes it worse. The contract says the company will seek approval from the carrier AND payment from the owner for extras. Then it caps what the owner owes at the deductible. Those two provisions cancel each other out. If the carrier denies a supplement, you are holding a document that simultaneously says you can and cannot collect. That fight ends with you absorbing the cost.
Here is what actually happened when you signed this:
You gave the carrier the right to set your price. You gave up any independent claim to insurance proceeds. You accepted scope defined by an adjuster whose job is to minimize what gets paid. And you did all of it before a single nail was pulled.
The carrier is not your client. They do not owe you fair payment. They do not owe you a return call. They answer to their shareholders, not to your labor cost or your overhead.
A contract that references "insurance proceeds" as the price is a contract written for the carrier's benefit, not yours. The moment you sign it, you are working for the adjuster's number.
Know what you are signing before you sign it. Better yet, know what should be in your contract before you ever hand one to a customer.

It's a perfect storm with a high chance of taking out more players before it runs out of steam. https://lnkd.in/p/dv5xU2mK

A property loss drops you into a process you never asked to learn.

Most homeowners find that out the hard way: mid-claim, after a promise wasn't in writing, after a check was already deposited, after the deadline already passed.

So here are the 20 things I'd want a friend to know before, during, and after a property claim, in the order they actually happen. Not theory. This is the sequence from the first hour after the damage to the deadline that closes a claim for good.

Swipe through all 20 steps.

Want the printable PDF to keep? Grab it free at ClaimsDelegates.com/claim-survival-guide (link in the first comment).

Facing a claim dispute right now? Don't settle before you talk to us. www.ClaimsDelegates.com

https://www.claimsdelegates.com/illusion-of-independence-itel/