I don't know how to put this in as few words to fit in the subject line,
but, just after the storms here in FL, I started getting more requests for
bids for insurance jobs. The customer would usually try to get me to bid
real high. I now realize that they get the money and then call someone else
to do it cheaper. Has anyone noticed this? Is this a common practice? Why
didn't it occur to me before?
Insurance repair work is lucrative. It can pay very well, and the
contractor only does the work contracted. Bidding high as the demand is
high, and the repair work firms available is comparatively small. There's
nothing wrong with "subbing out" work. Yep, some are comparative "ambulance
chasers" for broken home claims. Yes, the customer can make money off of
this too at their own risk by accepting a certain amount of money to close a
The insurance companies policies regarding bids and their requirements
created the monster you're speaking of. More people simply found the
"loophole", and make money off of it. Insurance companies don't care, they
just want to expedite the numerous customer claims. Sadly, this does not
only happen in the state of Florida. Am surprised that you're surprised by
I think your definition of "don't care" and viewpoint of the insurance
companies' ultimate objective(s) are somewhat off target...
I can assure you the primary concern of the insurance company isn't to
"expedite" claims only in the sense of a speedy response.
It is not unreasonable to require a fee for estimates.
It is common in the Charleston SC area for the better contractors to
charge $75 / hour.
That fee is often reduced when actual construction work is awarded.
You will "loose" a few chances to do estimates.
However, if you count your time worth anything, it's not a loss.
On Fri, 11 Mar 2005 23:03:52 GMT, whilst I was lookin "Dan"
I saw an example of this on one of the court shows where a woman had
done this as a result of one of the hurricane storms in her area. The
judge saw right through her though and the contractor that had sued
her won his case.
It doesn't matter how much prepared you are for something because
something else will always come along that is either new or different
- as far as scamming people are concerned.
In an indirect way this is one of the reasons why insurance costs are
so high and why you have to go through a lot of paperwork just to get
one's insurance claim approved.
Grant Basics 101!
If you were a dishonest scammer, you would have noticed
instantly what was going on. But you dont think that way, so
you were expecting as usual that the request for quote was
One solution is to charge for quotes, tell the customer that
if you get the job its deductable from the price of the job if
you get it. That eliminates the scammers.
and saves you a lot of time if you can afford to blow off some
work. or you can ask ahead of time if they want a 'first
class high end repair or something in the real affordable
range'... the scammers will want the high end quote.. your
clue to inform them that you charge for quotes and save
yourself the trouble.
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