I'm researching this for a friend. He has a pattern of continuous run in's with insurance companies. He works "real hard" on floods for days, putting numerous pieces of equipment onsite and constantly checking them (dehumidifiers, fans, etc), this is coupled with doing moisture checks sometimes twice a day only to find the insurance company trying to swindle him down to little more than one third of his original asking. He is not looking to be paid quickly but feels he has nothing to do but comply as it's a war he doesn't know how to fight. Some insurance companies are more apt to give what he asks I suppose but does anyone have some tips on how to fight this battle? He has used the blue-books. But the blue-books talk about making $30 an hour and such, he doesn't clean carpet that cheap and doesn't see any reason to come down that low for floods simply because of that's what the cheapest companies charge. If you know this business you know that investing in flood equipment is a healthy expense unless the equipment is rented. He is nearly asking himself at this point "why deal with floods" when he knows they can be very profitable. What's the method? Is tip #1 to "just say no" to customers who use state farm??
Suggestions, info, comments appreciated.