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Leveling the Playing Field: How a Public Adjuster Can Help You Navigate A Managed Repair Program

Many homeowners insurance policies feature a program called the managed repair program (also known as the right-to-repair). It is essentially a program that removes your power of being able to choose who repairs your home. This power gets shifted off to your Insurance carrier who then determines everything about your repair. In today’s article, we will talk all about managed repair programs and how you can expect them to impact you. We will also go over how a public adjuster is vital to make sure your home is repaired the right way.

What Is a Managed Repair Program?

A Managed Repair Program is an insurance offering where insurers help manage repairs after property damage occurs.

In this program, insurers actively coordinate the repair process, often collaborating with a network of pre-approved repair vendors.

Policyholders report damage to their insurer, who may then utilize the Managed Repair Program for property restoration.

While these programs offer convenience and efficiency, policyholders have limited control over the selection of repair contractors.

Additionally, policyholders do not manage the actual repair process, as this is handled by the insurance company.

It’s crucial for policyholders to thoroughly understand their insurance policy and the specifics of any Managed Repair Program.

Concerns About Using a Managed Repair Program

In theory Managed Repair Programs are a great way to get your repairs done by offering convenience and simplicity throughout the repair process. However, there are some concerns that you should be aware of when your Insurance presents this as an option:

When it comes to Managed Repair Programs offered by insurance companies, they typically use a network of preferred vendors, limiting your choice in repair contractors. This restriction often means you can’t select the repair professional you might prefer for your home.

Concerns about repair quality often arise with Managed Repair Programs. The chosen vendor may focus more on reducing costs than on the quality of the repairs, which can be worrying.

Moreover, opting for a Managed Repair Program shifts control of the repair process to the insurance company, leaving you with less say. Many homeowners value having more involvement, like picking their repair vendor or directly overseeing the work.

Additionally, some insurance policies may have limited coverage for repairs under these programs. It’s crucial to review your policy to fully understand the coverage and any limitations.

Lastly, there’s always the risk that repairs under a Managed Repair Program might not fully fix the damage or meet your expectations. If that happens, you might find yourself needing to challenge the insurance company or even take legal steps to rectify the situation.

 

How Can A Public Adjuster Help Manage Your Claim?

Here are some ways a public adjuster can assist with a managed repair claim:

  1. Advocating for the homeowner-

    A public adjuster can act as an advocate for the homeowner, making sure that their interests are represented throughout the managed repair process.

  2. Reviewing the insurer’s estimate-The public adjuster can review the insurer’s estimate for the repairs to ensure that it is accurate and covers all necessary repairs.

  3. Identifying hidden damages-

    A public adjuster can identify any hidden damages that may not have been included in the initial estimate, but need to be repaired to fully restore the property.

  4. Negotiating with the insurer-

    The public adjuster can negotiate with the insurer on behalf of the homeowner to ensure that the managed repair process proceeds smoothly and that the homeowner receives fair compensation for their damages.

  5. Overseeing the repair process-

    The public adjuster can also oversee the repair process to make sure that the repairs are done correctly and that the work meets the standards outlined in the policy.

Overall, a public adjuster can be a valuable asset to a homeowner dealing with a managed repair claim, helping to ensure that they receive the full benefits they are entitled to under their insurance policy.

When Can You Get Help? 

We always advise our clients that reaching out to us early is best. Being part of the process from the start ensures you receive the finest care throughout your claim. However, we know not everyone does this. Many attempt to handle the process alone before realizing they need our help.

Feel free to reach out to us at any point in your claim. We’ve assisted clients right from the beginning and those who’ve been in disputes with their insurance for two years. What’s important is that you get the support you deserve.

Final Words

When you’re dealing with property damage, having a public adjuster guide you through your managed repair claim can be a lifesaver.

As a homeowner, you’ll find great comfort and empowerment with a public adjuster helping you navigate through these tough times.

They become your personal advocate, carefully reviewing all estimates and revealing hidden damages that you might miss.

Their skill in negotiating with insurance companies can be a game-changer, ensuring your needs are front and center.

They’ll be right there, overseeing your home’s repairs, making sure every step is handled perfectly.

With a public adjuster by your side, the whole process feels less overwhelming and more under control.

Their support allows you to confidently move through the managed repair process, focusing on getting your home and life back on track.

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