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May 28, 2020 The Apex Disaster Team

Good Hands: The Illusion of Care During an Insurance Claim

Property damage is no stranger to the Gulf Coast. Most of our customers carry insurance in the event of devastation caused by fallen trees, raging winds, and water damage – particularly water damage. The misfortune is often complicated when the inevitable insurance claims process begins. Despite popular belief, insurance companies’ primary goal is not to be a “good neighbor.” In fact, we challenge this convention and briefly touch on the fool’s gold concept of being in “good hands.”

There is a reason why insurance companies have some of the tallest buildings in major metropolitan areas. The business of insurance is a game of charging their customers a long-term premium with the goal of paying little to nothing when disaster strikes.

Playing the game is daunting, and nobody knows how to win this game better than Apex Disaster Specialists.

Insurance is good. It is important, useful, and generally necessary to rebuild or repair what is lost. Many of our customers – and our family members – are insurance professionals. Apex Disaster Specialists has built an excellent working relationship with claims adjusters – the people who investigate insurance claims to ascertain the extent of liability.

Insurance companies argue they have the best interest of their policyholders. We have found this to be patently false for a variety of reasons. Ask your neighbors how smooth the claims process was after Hurricane Michael destroyed Panama City, Fla. in October 2018.

Apex Disaster Specialists informally surveyed customers from Escambia, Santa Rosa, Okaloosa, Walton, and Bay Counties to identify common experiences and results. We observed a theme: insurance companies delay, undervalue, and complicate the claims process.

Insurance companies seem to care more about profits over principles. They often form agreements with certain builders, roofers, and other general contractors to minimize their financial exposure. These business alliances are marketed to their customers under the misleading label of “preferred vendors.”

The term insinuates better…better for whom? Follow the money.

Although it is possible that preferred vendor relationships are best for all parties, it is difficult to ignore the appearance of impropriety.

The claims process typically begins when an insurance customer (insured) contacts their insurance company (insurer) to report a loss. This could stem from a catastrophic event (large community fire or named storm) or a more isolated incident (water heater leak). The insurer processes the claim using its internal field adjusters, customer service representatives, and desk adjusters. They also pay their preferred vendors – the contractors hired by the insurance company – to assist in determining the value of affected items and the cost to repair or replace.

There are many variables involved with determining this monetary figure. In a dispute, it would stand to reason that preferred vendors tend to agree more with their employer (insurer) while companies like Apex Disaster Specialists view unsafe or compromised living environments through the lens of the customer (insured).

It takes money to identify mold spores, determine air quality, and mitigate damages. If insurance companies and their network of preferred vendors do not fully address these topics, then how do customers know if they are in good hands?

Apex Disaster Specialists refuses to engage in preferred vendor contracts because we believe our fiduciary responsibility should always rest with our customers – not insurance companies.

There is no confusion, hidden agenda, or illusion regarding our loyalty to our customers.

Anyone can string together words and make assertions about their level of care and commitment to customer service. Apex Disaster Specialists would “prefer” to prove it.

We have a proud history of serving residential communities along the Gulf Coast from Louisiana through the Florida Panhandle. Apex Disaster Specialists is headquartered in Freeport, Fla., and has offices in Sulphur, Calcasieu Parish, La.

The mission of Apex Disaster Specialists is to protect and rebuild its communities while providing a world-class customer experience. We provide guidance and expertise in the areas of residential and commercial remodeling and rebuilding, water extraction, mold remediation, storm and fire damage repair, and biohazard cleanup.

For further information, visit www.apexdisasterspecialists.com

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