Common Adjuster Statements
"This is just a starting estimate."
π© Translation: We're lowballing the first offer hoping youβll accept it without question.
"Your policy pays Actual Cash Value firstβRCV comes later."
π© Translation: Youβll only get partial payment now. Youβll have to prove the rest later, with receipts.
"You donβt need that line item to make it whole."
π© Translation: Weβre removing necessary items (code upgrades, accessories, labor) to reduce our cost.
"Thatβs not a covered itemβitβs considered maintenance or wear and tear."
π© Translation: Weβre blaming pre-existing conditions so we can deny parts of your claim.
"We use industry-standard pricing."
π© Translation: Weβre using software pricing (like Xactimate) that doesnβt match real market rates.
"Your contractorβs estimate is too highβwe canβt match that."
π© Translation: We wonβt pay what it actually costs to do the work right.
"Labor isnβt depreciatedβitβs included in the material line item."
π© Translation: We hid labor cuts by embedding them in material lines and tax calculations
"Once the work is done, submit your receipts for the rest."
π© Translation: Weβll delay full payment until you spend your own moneyβand then maybe reimburse you.
"Thatβs cosmeticβinsurance only covers functional damage."
π© Translation: Even if your siding, windows, or roof looks terrible, weβll argue it still βworks.β
"Youβre responsible for any upgrades not required by code."
π© Translation: We wonβt pay for items that match your home unless itβs mandated by law.
The Hidden Pattern:
These statements are all designed to:
- Shift the burden of proof back onto the homeowner
- Introduce doubt about what was caused by the storm
- Delay payout until the homeowner gives up or goes into debt
But you donβt have to face this alone.
Gable Roofing and LIAR work together to:
- Gather detailed documentation and evidence that proves your loss was storm-related
- Provide clear, data-backed reports that cut through insurance company excuses
- Negotiate on your behalf so you arenβt pressured to accept less or pay out of pocket
- Hold your insurance company accountableβso you get paid what your policy truly covers, without the runaround
Donβt let insurance tactics put you at a disadvantage.
Contact Gable Roofing and ask for a LIAR auditβso you can rebuild with confidence.
