Getting Water Damage Invoices Past Insurance Adjusters
One of the most frustrating things about water restoration is getting a call from the adjuster saying your invoice is too high. During my 14 + years in the water restoration business I have gotten plenty of calls from adjusters saying that my price is too high on this dehumidifier or this fan, etc. This used to bug me until I learned the secret to prevent most of these calls, COMMUNICATION & DOCUMENTATION. Remember that the adjuster has to justify his work to his boss and as long as the price and scope of work can be justified then it will be paid.
Getting Water Damage Invoices Past Insurance Adjusters
Celine Dion - Oprah's Show, 2007 (Part 2/4)
Video Clips. Duration : 12.15 Mins.
Celine Dion - Oprah's Show, 2007 (Part 2/4)
*Ammore Annascunnuto (2009 Version): www.youtube.com *Je sais pas / I don't know (New Version) : www.youtube.com *You Tube Account: www.youtube.com *Facebook Group: www.facebook.com *My Space: www.myspace.com *Website: www.solfezos.webs.com *Greek Fan Club www.facebook.com *Celine Dion International Forum: www.celinedionforum.com
Celine Dion - Oprah's Show, 2007 (Part 2/4)
Celine Dion - Oprah's Show, 2007 (Part 2/4)
Celine Dion - Oprah's Show, 2007 (Part 2/4)
Celine Dion - Oprah's Show, 2007 (Part 2/4)
No URL Celine Dion - Oprah's Show, 2007 (Part 2/4)
Spread Offense For Football - 5 Wide Attack Offense
The football spread offense has become one of the most popular high school and college plays in today's football. Here is an article about a new type of spread offense.
Spread Offense For Football - 5 Wide Attack Offense
"I attending to you" RIP Whitney Houston's Funeral R. Kelly Kim Burrell Alicia Keys
Video Clips. Duration : 14.87 Mins.
"I attending to you" RIP Whitney Houston's Funeral R. Kelly Kim Burrell Alicia Keys
www.jaxsprats.com Jaxsprat's Unique Collectibles "If it's unique, we have it" Rest in Power Whitney Houston. R.Kelly perforning "I look to you" Alicia Keys performing "Send Me An Angel" Whitney's close friend & Gospel star Kim Burrell performs "A Change Has Got To Come" with re-written lyrics & "I look to you" duet with the late Whitney Houston as a tribute to Whitney Houston at the star's funeral www.ebay.com Ademola Olugebefola "Family" woodblock print ***RARE*** www.addoway.com Jaxsprat's Unique Collectibles "If it's unique we have it" Subscribe to our channel. Follow us on twitter twitter.com Join our facebook fan page www.facebook.com www.ebay.com Copyright Disclaimer Under Section 107 of the Copyright Act 1976, allowance is made for "fair use" for purposes such as criticism, comment, news reporting, teaching, scholarship, and research. Fair use is a use permitted by copyright statute that might otherwise be infringing. Non-profit, educational or personal use tips the balance in favor of fair use.
"I attending to you" RIP Whitney Houston's Funeral R. Kelly Kim Burrell Alicia Keys
"I attending to you" RIP Whitney Houston's Funeral R. Kelly Kim Burrell Alicia Keys
"I attending to you" RIP Whitney Houston's Funeral R. Kelly Kim Burrell Alicia Keys
"I attending to you" RIP Whitney Houston's Funeral R. Kelly Kim Burrell Alicia Keys
No URL "I attending to you" RIP Whitney Houston's Funeral R. Kelly Kim Burrell Alicia Keys
Spread Offense For Football - 5 Wide Attack Offense
The football spread offense has become one of the most popular high school and college plays in today's football. Here is an article about a new type of spread offense.
Spread Offense For Football - 5 Wide Attack Offense
NBA 2k12 - Trailer #4
Tube. Duration : 2.45 Mins.
NBA 2k12 - Trailer #4
NOTE: THIS IS NBA 2K11 GAMEPLAY. Also Dont Forget to Comment, Rate and Subscribe. Don't forget to follow my Fan-Page: www.facebook.com SONG:Dirt Off your Shoulder CREDITS :Darth Skinett DOWNLOAD@:uarneweramods.blogspot.com Visit an Increasing NBA 2k Community: Dear NBA 2K fans, Hoops-Nation.com is an extremely active basketball community. We're looking to expand our NBA 2K section, and fill it with new topics, posts, and fans who love the game as much as we do. We can have a great community, make an online team, host tournaments, give each other 2K tips, tricks, advice and much more. Please check us out! Forum link: www.Hoops-Nation.com Direct link to the NBA 2K forum hoops-nation....um Thank you, Hoops-Nation Staff My Name on Hoops-Nation is TdotPrid3. Extra Tags: LeBron James,Derrick Rose,Tracy Mcgrady,Shaq, LeBron, Dwight Howard All-Star Dance-Off,Slam Dunk Contest,Top 10,NBA Draft 2009,Dwight Howard Superman dunk,AND1,Hot sauce,Lebron james,la lakers,Boston celtics nba champions,La Clippers,Denver Nuggets,Allen Iverson,Dallas Mavericks,East West All star game,nba record,nba street vol 1,2,homecourt,I Challenge Baron Davis,greatest in nba history,shot,block,steal,Michael Jordan's Final Shot 98,Baron Davis, Dwyane Wade, Lebron James, Tracy McGrady, Stephon Marubury, Yao Ming, Gilbert Arenas, Kobe Bryant, Speedy Claxton, Paul Pierce, Nate Robinson, Allen Iverson, and Ben Gordan,Soulja Boy And Lebron James Interview ,Kobe Bryant Jumps Over Car(Aston Martin) Slow Motion ...
NBA 2k12 - Trailer #4
NBA 2k12 - Trailer #4
NBA 2k12 - Trailer #4
NBA 2k12 - Trailer #4
No URL NBA 2k12 - Trailer #4
NOTE: THIS IS NBA 2K11 GAMEPLAY. Also Dont Forget to Comment, Rate and Subscribe. Don't forget to follow my Fan-Page: www.facebook.com SONG:Dirt Off your Shoulder CREDITS :Darth Skinett DOWNLOAD@:uarneweramods.blogspot.com Visit an Increasing NBA 2k Community: Dear NBA 2K fans, Hoops-Nation.com is an extremely active basketball community. We're looking to expand our NBA 2K section, and fill it with new topics, posts, and fans who love the game as much as we do. We can have a great community, make an online team, host tournaments, give each other 2K tips, tricks, advice and much more. Please check us out! Forum link: www.Hoops-Nation.com Direct link to the NBA 2K forum hoops-nation....um Thank you, Hoops-Nation Staff My Name on Hoops-Nation is TdotPrid3. Extra Tags: LeBron James,Derrick Rose,Tracy Mcgrady,Shaq, LeBron, Dwight Howard All-Star Dance-Off,Slam Dunk Contest,Top 10,NBA Draft 2009,Dwight Howard Superman dunk,AND1,Hot sauce,Lebron james,la lakers,Boston celtics nba champions,La Clippers,Denver Nuggets,Allen Iverson,Dallas Mavericks,East West All star game,nba record,nba street vol 1,2,homecourt,I Challenge Baron Davis,greatest in nba history,shot,block,steal,Michael Jordan's Final Shot 98,Baron Davis, Dwyane Wade, Lebron James, Tracy McGrady, Stephon Marubury, Yao Ming, Gilbert Arenas, Kobe Bryant, Speedy Claxton, Paul Pierce, Nate Robinson, Allen Iverson, and Ben Gordan,Soulja Boy And Lebron James Interview ,Kobe Bryant Jumps Over Car(Aston Martin) Slow Motion ...
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The football spread offense lets you be more aggressive on offense. You can win football games using the spread offense even if your opponent has better talent.
Fan Houston
Spread Offense For Football - 5 Wide Attack Offense
I talked with former a former NFL player and Head Football Coach Bill Renner and he are some of his ideas about the Spread Offense for Football.
Spread Offense For Football - 5 Wide Attack Offense
"Establish a Beach head" Once we determine which assault method, run or pass, is the most effective versus our opponent, we will use this as the primary means to attack them 80% of the time. The other 20% of the time we will mix in one of the other attack methods. We want to have two means of attack to not allow the defense to hone in on our primary method and adjust to it. At the same time, we want to consider taking what the defense is permitting us either run or pass. Both systems, run and pass, need to be simple yet provide you with the answers to whatever the defense shows you.
"One Bit of Territory at a Time" - Do not try to beat the opponent in the 1st, 2nd or 3rd quarter, beat them gradually, control them. We want to have an offensive attack that they cannot stop from the 1st quarter through the 4th quarter and play all offensive situations the same, aggressive and attacking. We do not change offenses for down-distance, being ahead, being behind, goal line/short yardage, last play, two-minute, etc. The 5 Wide Attack Spread Offense works for all situations and allows us to keep taking territory, little by little. We ALWAYS remember that no amount of points are ever enough for them or us!
Spread Offense For Football - 5 Wide Attack Offense
www.jaxsprats.com Jaxsprat's Unique Collectibles "If it's unique, we have it" Rest in Power Whitney Houston. R.Kelly perforning "I look to you" Alicia Keys performing "Send Me An Angel" Whitney's close friend & Gospel star Kim Burrell performs "A Change Has Got To Come" with re-written lyrics & "I look to you" duet with the late Whitney Houston as a tribute to Whitney Houston at the star's funeral www.ebay.com Ademola Olugebefola "Family" woodblock print ***RARE*** www.addoway.com Jaxsprat's Unique Collectibles "If it's unique we have it" Subscribe to our channel. Follow us on twitter twitter.com Join our facebook fan page www.facebook.com www.ebay.com Copyright Disclaimer Under Section 107 of the Copyright Act 1976, allowance is made for "fair use" for purposes such as criticism, comment, news reporting, teaching, scholarship, and research. Fair use is a use permitted by copyright statute that might otherwise be infringing. Non-profit, educational or personal use tips the balance in favor of fair use.
Keywords:
The football spread offense lets you be more aggressive on offense. You can win football games using the spread offense even if your opponent has better talent.
Fan Houston
Spread Offense For Football - 5 Wide Attack Offense
I talked with former a former NFL player and Head Football Coach Bill Renner and he are some of his ideas about the Spread Offense for Football.
Spread Offense For Football - 5 Wide Attack Offense
"Establish a Beach head" Once we determine which assault method, run or pass, is the most effective versus our opponent, we will use this as the primary means to attack them 80% of the time. The other 20% of the time we will mix in one of the other attack methods. We want to have two means of attack to not allow the defense to hone in on our primary method and adjust to it. At the same time, we want to consider taking what the defense is permitting us either run or pass. Both systems, run and pass, need to be simple yet provide you with the answers to whatever the defense shows you.
"One Bit of Territory at a Time" - Do not try to beat the opponent in the 1st, 2nd or 3rd quarter, beat them gradually, control them. We want to have an offensive attack that they cannot stop from the 1st quarter through the 4th quarter and play all offensive situations the same, aggressive and attacking. We do not change offenses for down-distance, being ahead, being behind, goal line/short yardage, last play, two-minute, etc. The 5 Wide Attack Spread Offense works for all situations and allows us to keep taking territory, little by little. We ALWAYS remember that no amount of points are ever enough for them or us!
Spread Offense For Football - 5 Wide Attack Offense
*Ammore Annascunnuto (2009 Version): www.youtube.com *Je sais pas / I don't know (New Version) : www.youtube.com *You Tube Account: www.youtube.com *Facebook Group: www.facebook.com *My Space: www.myspace.com *Website: www.solfezos.webs.com *Greek Fan Club www.facebook.com *Celine Dion International Forum: www.celinedionforum.com
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Starting off the job on the right foot is important. You should always get a work authorization signed by the insured before starting work. A work authorization will allow some insurance companies to be able to pay you directly or at least get your name on the check.
Fan Houston
Getting Water Damage Invoices Past Insurance Adjusters
Then as soon as the initial mitigation is performed, call the adjuster and let him/her know what you did. This can be done on the way back to your office. During this conversation just let the adjuster know what you saw when you arrived and what you decided to do about. During this conversation I generally try to steer away from talking about pricing. If they ask about it then I will talk about it, but for me this is more of an information phone call to the adjuster. At this point, usually the adjuster has not been there and so to call and inform him/her what is going on is my main objective.
Getting Water Damage Invoices Past Insurance Adjusters
Next, you should have an itemized invoice. The invoice should include your company name, address, (so they can send the check) and your Taxpayer Identification Number. Each room that work was performed in should be separate and have measurements down to the nearest inch. Then within each room list each item or piece of equipment. At this point it is good to comment on the items that are most questioned, such as cost of dehumidifiers, number of fans, extraction, etc. Place comments with the items, if your estimating software will let you, justifying why you charge what you do for a dehumidifier or why you had 3 fans in a 6 x 6 room. Anything that could be questioned comment on it. To me this is one of the most important parts of the invoicing process. Yes, it is time consuming but the adjuster will be able to see the reasoning behind the line item. This alone may prevent most calls.
Next include a copy of the signed work authorization and signed certificate of satisfaction. This not only shows that the customer was satisfied but that they authorized you to do the work. Make sure that your work authorization form includes a section in it that would allow the insurance company to be able to pay you directly. I, personally, had my lawyer look over my form to make sure it was accomplishing what I wanted it to accomplish. I would strongly suggest that you do the same no matter whether you got a generic form from somewhere or you came up with your own form.
Another tool that helps justify your bill to the adjuster is your daily humidity readings. You should be keeping the temperature, relative humidity, and grains (gpp) inside, outside, unaffected area, dehumidifier(s), and the HVAC. By doing this you will be able to learn about what is going on during the job. For example, several years ago we opened up a new refrigerant dehumidifier and took it straight to a job. When we got there and turned it on we started running our pshychrometric readings and discovered that there was a problem with the dehumidifier. It was great to find that out then and not the next day when we would have had a lot of evaporation and no dehumidification. Using the grain readings can also help you prove that the equipment was off, a door was opened that you wanted closed, a window got opened, etc. When this is used correctly then you can prove to the adjuster why you needed an extra day. Also make sure to include plenty of comments to go with your readings to help explain what you saw.
To go along with your daily humidity readings try including a graph from a data logger. Data loggers can be set to record the temperature and relative humidity as often as you would like. I like to set ours to record every minute and this gives you a good graph of what is happening on the job. When the job is complete then print the graph and turn it in with your invoice. Just like with your daily readings a graph will help prove what you saw happening on the job. (i.e. door left open, window open, equipment turned off, etc.) Taking an hour meter reading off your equipment at several points in the job can also help prove when things were not running and should be turned in as part of your documentation.
Kevin Pearson is a partner in Pearson Carpet Care. He has over 17 years experience in the cleaning and restoration business. He serves on several committees with the IICRC (Institute of Inspection, Cleaning and Restoration Certification) and is on the board of directors of the PCRA (Professional Cleaning and Restoration Alliance). Kevin has dried building in Texas, Oklahoma, and Louisiana. He has extensive experience drying residential homes but has also dried office buildings, chemical plants, historical homes, Southern Methodist University, Stephen F. Austin State University, The Toyota Center (where the Houston Rockets play) and more.
Getting Water Damage Invoices Past Insurance Adjusters
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