CPR’s Service Plan Agreement

August 27, 2025

CLAIMS PROCESS DEVELOPMENT PLAN/ Initial Information and Fact Gathering

Formal hiring and commitment to CPR Claims, LLC
Authorization and Assignment required signatures
Claim paperwork explanation and process
Deadlines to meet as per the insurance policy
Confirmation of valid insurance policy (as per the date of loss)
Confirmation of named insured (names on policy) matching ownership on property
Current status of mortgage on properly (current with all payments, behind, pre-foreclosure, Foreclosure etc.)
Confirmation of past or present bankruptcy filings (that may affect current claim)
Confirmations of any liens or judgements against the loss site property
Mortgage company confirmation on name of company, loan number, pay off, current property taxes, interest rate, recent refinancing of property, last market value of property
Conformation that current mortgage company has not been sold in recent months
Authorization form requirement in order to contact mortgage company
Contact mortgage company to request contractor repair packet and procedure requirements (also confirm overnight mailing address, suite number, floor, contact person)
Confirmation of where contractor packet is going to be sent other than the loss site address
Confirmation on insurance agent, agency, insurance company, staff adjuster, independent adjuster etc.
Contact information on insurance company personnel, adjusters, office etc.
Confirmation on claim numbers, policy numbers, accurate date of loss, deductible, effective date, expiration date, limits of coverage, declarations page, endorsements
Request certified copy of insurance policy/duties after the loss letter
Notification to insurance company of CPR Claims contract and assignment
Follow-up and confirmation that insurance company has received our contract of representation
Formal contact with the insurance adjuster to discuss the claim
Formal confirmation on the cause of loss
Discussions with the insurance adjuster regarding the insurance claim (what are the coverage limits, deck sheet, policy, endorsements, has the adjuster been to the loss site, does adjuster have photos of the loss site, has the property been properly secured, has an invoice been submitted for emergency services, has any dry cleaners taken anything out of the loss site, has any pack out and cleaning company taken anything out of the property, has an electronic company taken anything out of the properly if so, we will need all pertinent
information, if not, does anything need to be looked at?
What paperwork has been signed between the insured and the insurance company?
What paperwork has been signed between the insured and any outside vendor?
Has the insurance adjuster written his own estimate yet?
Is the insurance adjuster having someone else write a repair estimate on the property?
Has a reserve been set on the total damages of the insurance claim?
Are there any valuable items still at the property that need to be taken out?
Are there any arts, collectibles or memorabilia at the loss site that need to be taken out?
Are there any coins, money, guns or any other type of expensive items at the loss site?
Are there any safes at the loss site location that need to be moved or gotten into?
Is there any expensive jewelry in the loss site property that needs to be documented?
Is there any valuable paperwork that needs to be taken out of the loss site property?
Are there any photos, photographs, portraits, scrapbooks that need immediate attention?
Are there any wallets, purses, credit cards, bank statements, retirement monthly statements or other valuable documents that need to be taken from the house in the event of a theft?
Has the water been shut off at the property if applicable?
Has the electric meter been taken from the properly?
Are there any cable or satellite boxes that are damaged in the house?
Is there any clothing that can be immediately cleaned and worn?
Are there any computers at the property that can be taken to retrieve hard drive information? (desk tops computers, laptops, iPads, cell phones etc.)
Have all interviews by local fire department officials, fire departments cause and origin personnel, insurance company cause and origin/ S.I.U unit personnel or outside cause and personnel been completed? How safe is the property? Are any emergency repairs needed?
Is there any type of subrogation taking place on the loss? If so, have all appropriate parties been notified?
Has the loss site been cleared to be able to start the inventory process?
Is the insurance company going to do their own inventory of the loss site or utilize and outside vendor to do the inventory?
If so, who is the outside inventory vendor? We will need to contact this vendor to coordinate a time to determine what they are going to inventory, what items they have questions on, what items that need to be moved out of the loss site location.
Has there been any cash advances given to the property owners? If so, how much?
What arrangements have been made with the temporary living?
Has there been any paperwork signed by the insured with the temporary living coordinators company? If not, what is going to be required? If so, we need to get a copy of the agreement.
Are there any deposits required? If not, will there be any deposits required? Is so, who is going to pay the deposits?
Is there any type of rental furniture being rented? If so, what is the amount per month that is going to be charged along with a detailed list of furniture being rented?
What are the utility arrangements? What length of monthly lease has been agreed to?
If staying with family members, what is the daily charge? Is there an invoice between family members to submit to insurance company?
If staying at hotel, who is paying for the hotel? Is there a bill to date for all charges? Have all hotel bills been submitted to insurance company for payment?
Are there any pets? If so, what type? (dogs, cats, horses etc,)
Where are the pets staying?
Do you have an invoice or bill for where the pets are being boarded?
Has the cable company charged you for your boxes? If not, they need to be called and notified that you need an invoice to be able to turn into your insurance company. You also need to be aware that you may be charged an early termination fee for breaking their contract. You need to pay attention to this due to the fact if the boxes are not paid for in a timely you may get reported to the credit bureau
Any non-family members living in your property? If so, please elaborate!

BUILDING ESTIMATE/COST DAMAGE REPORT/Policy Coverage Application

This is the “high dollar” part of your claim and needs to be treated accordingly!

As outlined above if the loss has been cleared and the cause of loss has been determined to be either accidental or undetermined this process can continue. If the cause of loss has been determined to be something differently then there will he obviously delays, and this part of the claim will have to be put together in a different manner until (in home access) can take place.

A series of questions need to be answered to properly evaluate the properly damages. Some of this information does not relate to the “physical damages” to the property but are valuable in my “retail/market value of the home” if it was ever to be sold after repairs/construction has been completed. If a total loss applies these types of questions are irrelevant!

What year did you purchase the property?
What was the purchase price of the properly at the time you bought it?
What do you think the current market value of your property is?
What is the mortgage pay off amount?
What repairs/remodeling have you done since you have purchased the home?
Did these repairs require a building permit?
How much monies have your spent in total repairs/remodeling to your home since you have lived here?
Have you ever had an insurance claim on the building since you have lived here?
If so, please elaborate!
Can you give me a list of quality of materials in your home? (quality of paint, flooring, trim work, doors, hardware, light fixtures, cabinets, countertops, sinks, built in appliances, garbage disposal, dishwasher, sheetrock or plaster, textured ceiling and or walls, wallpaper, paneling, ceiling fans, window treatments, insulation in attic, insulation in walls, electrical system, heating system, central air system, plumbing system, security system, register covers, recep and switch cover plates quality, tub and shower quality, tub and shower hardware, vanity and medicine cabinet quality, bathroom lighting, backsplash quality in kitchen, interior stain quality, exterior roof shingles quality, aluminum fascia and soffits, vinyl fascia and soffits, quality of gutters and downspouts, window quality, siding quality, exterior door quality etc.
Review building coverage, replacement cost limits
Review extended replacement cost coverage limits
Review type of replacement cost language within policy to write damage report accordingly
Review policy co-insurance requirement and possible insurance company enforcement
Review repair estimate vs. total reconstruction estimate comparison
Review and confirm finance and law coverage endorsement to see what “code upgrade” enforcements would be made repairing property versus replacing property.
If septic and well system check for code compliance for repairing and replacing properly
Contact health department and well and septic companies to view system for opinion
Check with health department if well and septic system to see if permits were ever pulled and what type of work had been done in the past
Check with property owner to see what work has been done in the past with or without
appropriate/required permits
Check current yearly property tax assessment and how they are being taxed. Check square footage of properly and outbuildings to see if both parties are accurate.
Check local building and energy code requirement and potential enforcements. We want
to reconfirm if you have this type of coverage in your insurance policy. It is normally 10% of what your building coverage is. You have to be careful and tread lightly with this coverage and the enforceability of the local building department officials. The insurance company will not just pay this coverage. If this must be enforced by the building department officials and ultimately put into a letter stating this.
If the home is repairable, we want to check with the tax assessor’s office to confirm what your new property taxes would be on an extensive renovation to your property. We also want to check with a local market value appraiser to see if higher taxes would decrease the market value of the new property. We also need a market appraisal based on how the property is going to be put back together.
NOTE: An extensive review of the money being put into your property vs. what the property is ultimately going to be worth when it is completed needs to be looked at. It may not be in your “best financial interest” to do this. It may be better to buy or build another property.
Your borrowing power needs to be considered during this process if you are going to try to relocate offsite. You would want to get pre-approved prior to committing to doing this.
Adjusting and settlement issues need to be worked out early in the settlement process on the building claim. Disagreements arise all the time! There may differences of opinion on how much needs to be torn out not only in the interior of the property but also on the exterior of the property. Matching issues are always a point of contention with the insurance company. Pricing is a dispute with the insurance company. Even though you may have replacement cost type coverage there is still a deprecation process. This is called the actual cash value. The repair/replacement cost less depreciation equals “actual cash value.” This is considered to be the upfront monies! Once you repair or replace the recoverable depreciation is paid back or the recoverable depreciation/replacement cost.
The method of applying depreciation and determining actual cash value is a constant disagreement on several property claims. Several states recognize the “broad evidence rule!” This is a supreme court decision many years ago that outlines how a property claim should be looked at for determining what they call “actual cash value.” It matters depending on what your intentions are when it comes to cashing out, repairing or replacing offsite.
If your policy is only an actual cash value type policy, then extraordinary details need to be documented in order to arrive at a higher depreciated rate called the actual cash value.
If you have a functional replacement cost policy where the policy only allows for “low end” type materials extraordinary details need to be documented to obtain a fair settlement with this type of policy.
All settlements, negotiating and collecting insurance funds will be done by CPR Claims LLC. You as the insured will be involved on all settlements and ultimately have to agree and authorize our firm to settle. You will always maintain control!
If your property is a total loss, then other undamaged areas of your properly need to be looked at. For example, if the house has to be demolished the undamaged exterior landscaping must be protected, moved, planted elsewhere. Outbuilding or other structure coverage items such as sidewalks, driveways, detached decks and other detached items may become damaged during the demolition process.
If your property is being demolished the “legal description” of your property is now gone! A flag survey and site plot plan will probably now be required prior to any rebuilding. The property lines will be defined with flags and then your house print will be dropped into the flag survey showing all new property lines along with the description of the home. You would not be able to sell your home until you supply the mortgage company or bank with a mortgage survey.
If your property is located is on the water, then the back of your home is normally called the front due to the required distance from the water to the new home. The property line is usually closer than the water line. You have to be normally (1 foot) above the flood plain in order to escape the flood insurance requirement and or other home construction building costs if your footing system is close to the water table.
If your property is in a neighborhood and the homes surrounding, you are very close together there may be a rebuilding, and a minimum size square foot home required.
You need to check to see if there are sub-division requirements that may demand an attached garage when you may have not had one before.
There may be a utility pole that needs to be moved due to the local fire departments, ambulance service and other types of emergency vehicles not having access to get into your property. An easement may have to be looked at for compliance.
Septic systems have a certain load per bedroom requirement. Also, the location of a septic field that may have been put in illegally might become an issue.
If there is living space in a basement egress window requirements may have to be met which is a substantial expense. Code coverage within your policy would have to be looked at.
In certain states a “radon system” is a code requirement and has to be done.
In certain states there is a detailed “energy code” list of items that have to be met plus inspected prior to an occupancy permit being issued.
The location of your property may require a “cement pumping truck” which is substantially higher than a normal cement truck. They have to pump the concrete through a hose versus off the truck. An additional charge will apply!
Underground sprinkler systems, underground dog fences may become an issue on total loss buildings/homes and need to be evaluated accordingly!
A much larger area of undamaged landscaping and landscaping damage has to be evaluated on a total loss construction project. These are unavoidable damages that will get paid!
Septic and well systems that meet code compliance and local requirements may still need exploratory digging to properly evaluate (for example) the septic system. If the code upgrades are not enforced by the local health department the septic tanks may need to be relocated, altered, retrofitted, a new line run under the driveway due to heavy trucking equipment. If the well is 2-inch steel type system and the health department refuses to make you replace the system due to it is still operable then other options need to he looked at. For example, the health department may say the well is accessible and you do not have to put in a new system. The issue is once the old system fails the health department will not let you drill a new one in the existing location. So, you have to analyze the fact if the old system fails you would have to relocated thousands of dollars of landscaping to access the well. The health departments sometimes say since the systems are operating just fine, they will not make you replace the systems. The problem is a lending institution on a new home building will not loan money on a new home with an outdated 2 inch well and a septic system that is (1) 500-gallon septic tank short.
Other issues that may come into play: If the local zoning department says you have to reposition your home it may involve taking down several trees that were not fire
damaged. The maximum allowance to replace or repair trees within the insurance policy is $500. It is very common based on the size of the tree to cost $1500. Each or more not including stump grinding. This is why it is imperative on a total loss to speak with your building department and evaluate property lines and the type and size of house you are intending to build.

CONTRACTOR SELECTION PROCESS EVALUATION IF REBUILDING

The agreed repair estimate needs to be reviewed vs. the contractors estimate. The insurance repair estimate that has been agreed to will have to be categorized to be able to make sure you can compare your allowances you have been paid for match the allowances you are given from the builder. This is a very detailed process! There are many variables that need to be examined to make sure you are being treated fairly. If your property is repairable this is one thing vs. if the property is being totally rebuilt there will be more time involvement as outlined above. CPR Claims will be writing their own damage appraisal estimate of damages. It is common for estimates to be $20,000 to $40,000 apart on larger claims or much greater on the claims over $200,000.

The method of payment when a mortgage company is involved may differ from how the contractor wants to get paid. For example, the mortgage company has a “draw system” that they adhere to with accompanying documents. There are time delays and payments and documents that will be requested for each inspection made by the mortgage company. Unfortunately, the mortgage company bases their draws off of the money they have escrowed in the “repair account” and not what the insurance company is holding until the project is near completion. Most insurance companies will hold back approximately (30%) until the project is complete then release the final monies which still has to go to the mortgage company.’

A contractor engaging in these types of projects has to have some type of credit line or large operating surplus to carry the project to its conclusion. The length of time for repairs is another issue that has to be agreed to in advance of construction starting. The reason being the insurance company is only going to be for the reasonable time to do these repairs. If you have chosen to build a much larger home and it is going to take 3 to 4 months longer the insurance company will most likely not agree to pay for the additional time. If you are staying someplace where the monthly rent is substantial an agreement needs to be made prior to the process starting. You could be faced with paying a large sum of money out of your pocket versus the insurance company paying for it!
The contractors contract needs to be reviewed for language that may not be beneficial to you if you come to some type of disagreement. A detailed description of all construction supplies, materials need to be defined so all parties understand and are in agreement.
Construction delays are common, and disagreements arise quickly when this happens.
Change orders need to be signed and method of payment agreed to.
Material ordering mistakes are common and need to be talked about in advance if this happens to formalize the potential delay time.
Code upgrades/ Energy code items that are not covered by insurance needs to be talked about and formalized in writing as to the method of payment prior to the items being done.
Mortgage company inspection delays are common and cause arguments. Contractors threaten to walk off the job or put the job on hold until they get their monies as per the draw agreement.
Mortgage draw percentage evaluation by the mortgage company inspectors cause arguments quite frequently. The builder and the mortgage company inspector disagree on what (%) the construction project is at which stops the draws, or the draw amounts expected.
Sub-contractors not getting paid by the general contractor are common and liens may be put on your property due to this. You need to pay attention to this to make sure the builder is paying his vendors on a timely basis. If there are payment issues you need to stop and arrange a meeting between all parties until a written agreement has been reached.
Wrong types of materials are installed all the time. For example, it could happen on a kitchen faucet or door handles etc. You need to make sure you are getting what you are paying for.
Add on type items that you were not made aware of. This happens quite frequently! No work should be performed unless you knew in advance that it would cost more.
If your property was being repaired there are times where the contractor does not tear out the items that needed to be torn out. Hidden smoke issues and odor issues are very common. You need to pay attention to the agreed repair estimate vs. what is actually being done.
The method of cleaning smoke prior to the framing being sealed is a big issue! The cleaning of the framing (the proper way) a lot of times never takes place. You have to disclose that your properly sustained a fire if you ever sell your property. You want to make sure it gets done properly.
The type of contract you are signing needs to review for language that would enforce the insurance company to pay the contractor direct if there was not a mortgage on the properly.
Warranties need to be reviewed not only what the builder is giving you but also the manufacturer.
Damage to your property during construction issues. This happens all the time and should be dealt with prior to construction starting regarding the handling of unfortunate circumstances.
Property stolen during the construction process. This is a very common problem when items, tools, supplies, materials are taken from the work site, and nobody knows anything about it. You should ask how these issues are dealt with!
Poor workmanship issues. This is a problem and needs to talk about if the issue arises. What constitutes poor workmanship is the key!
Accounting of monies given to contractor. There needs to be an accounting of all monies and how they were spent.
Unavoidable delays by homeowner and builder. An agreement needs to be reached if neither party is responsible for the delay that some type of agreement has to be reached. This comes into play if the insurance company does not want to pay additional time for the insured to stay at the temporary property.
CPR Claims will coordinate all paperwork, making contacts with mortgage company for draws, coordinate inspections with mortgage company and builder, provide follow up to draws being mailed out, coordinate getting the draws mailed out to the appropriate address etc.
Left over materials credit vs. contractor credit. You should get the appropriate credits if all the materials are not used, and a large amount is taken back and not credited accordingly.
Check legal ownership or contracting firm and owner of company. It sometimes varies! The builder may put the construction company in another party’s name to avoid leg-al problems and lawsuits.
Make sure to check and see if builder has filed bankruptcy recently
Make sure contractor and owners are properly bonded and insured
Make sure the contractor has a business checking account in the appropriate name that matches the legal ownership of the owner. You need to make sure the builder is able to endorse checks and deposit checks.
Make sure the builder is locally licensed and bonded. Also, the legal ownership of the company needs to match the license and insurance policy
If you are doing part of your repairs or want someone to do some of the repairs, you need to have an agreement how these parties are going to get paid by the general contractor. You need to ask if their general contracting firm will 1099 people you want to use which is common along with giving you a 1099 if your part of the repairs are substantial.
Sub-contractor licensing, bonding and insurance confirmation. This is a problematic area where the basement contractor puts in your basement walls and floor in the winter and all of a sudden you see a large crack after the basement dries. You need proof of insurance and proof of bonding prior to anyone of these sub-contractors working on your home. OFFSITE REPLACEMENT VS. Repairing or Replacement of YOUR BUILDING
CPR Claims will assist you in coordinating navigating the offsite replacement process of finding a new property. This is a very intricate process and must be handled accordingly! There are many variables, obstacles, paperwork that need to be analyzed to be able to consider this option.
If there is a mortgage on your fire damaged property a 30 day off letter must be sent to show the insurance company what is to be paid to the mortgage company with the balance being paid to you without the mortgage company name on the check.
You have to qualify the offsite replacement property to see if the insurance company will authorize the replacement. This will involve an inspection of the offsite property, consulting with a market value appraiser to determine the value of the offsite house minus the land value and other deductions to be in line with the settlement of the fire damage properly.
During this offsite consideration time we need to check to see if there is a local pa495 or something comparable that mandates demolition funds to be escrowed in the local township or cities account to make sure the fire damage property gets tom down. This takes away from the offsite replacement money until you actually demolish or sell the property in its current condition. If you are selling the property in its current condition the future owner needs to be aware that these monies are being escrowed or held until the property is timely repaired or tom down.
An attorney, realtor and title company most of the time is needed to coordinate the closing of these offsite replacement type properties.

CPR Claims works with all parties necessary to assist in the closing of the offsite replacement transaction.

CASHING OUT

Some losses may benefit the property owner to cash out of the building claim. Depending on the amount of insurance, the type of replacement cost or the actual cash value endorsement a close look at “cashing out” can be analyzed for possible benefits. Also, the extent of structural damage vs. the amount you could recover from selling the fire damaged building in “AS IS” condition will also be a determining factor in cashing out of the building claim. You need to double check that the local building department will allow the repairing or rebuilding process. In some states they have a stated value law which states that if a property is over 50% damaged to its market value the house or property is considered to be a total loss. There may be local building department legal pressure to demolish the building without having to put forth a lot of effort to save the building. It is always wise to make sure to stop the mold growth in the property due to insurance policies limiting this coverage or not having any coverage at all for mold mitigation. It also will kill the deal to the potential buyer if you are trying to sell a house that has apparent mold issues.

INVENTORY/CONTENTS EVALUATION

CPR Claims will do an onsite evaluation of all contents at the loss location. We will evaluate the condition of the contents in the property. From items that are not repairable, to items that should be removed from the premises to be viewed in proper lighting and working conditions. These items may be able to be repaired or refinished. The warranty of these particular items will be evaluated in the replacement cost vs. the repairing of the item. You are entitled to the same likeness in quality that you had prior to your loss. If this policy condition cannot be met, you will be entitled to a new item. Other considerations have to be considered in order to determine this. This cost to get the items out of the house, the evaluation costs, the storage costs, the costs to bring the items back etc. CPR claims will thoroughly document all items with “the same quality” of what you had. We will digitally photograph all items in your property on a room by room basis, take photos of all items in drawers, cabinets, on shelves, in closets, etc. and file them on our computer system. We physically go to the loss site to do a “hands on” investigation of all contents we can see. The contents we cannot see will need documentation assistance by you. We type our inventory on the latest state of the art inventory software system. There are line item categories for the quantity, ages, quality, retail pricing, depreciation, actual cash value and recoverable depreciation. We want to be able to provide a detailed and comprehensive inventory to include every category. From your soft type of furniture, hard wood furniture, tables, chairs, custom furniture pieces, artwork, collectibles, memorabilia, China, silverware, plate ware, glassware, pots, pans, countertop food processors, foods, spices, computers, laptops, printers, tv’s, all electronic data processing equipment, cell phones, radios, head phones, beds, mattresses, dressers, night stands, lamps, scrap books, wall art, piano, jewelry, pet items, baby clothes, men’s clothing, women’s clothing, bathroom items, make up, hair items and products, men’s grooming items, towels, linens, camera and video equip electric tooth brushes, medicines, books, CD’s, DVD’s, vacuum cleaners, summer wear, winter clothing, casual shoes, dress shoes, fitness clothing, camping gear and equipment, fishing equipment, laundry room contents items, washer, dryer, iron, etc.
We do the physical inventory at the loss site. The next step is our office personnel starts the computer typing process.

Once the initial inventory is typed a copy is sent to you for your review. There will be items that will be added, adjusted, taken off etc.
The pricing of each and every item is critical to your content’s settlement. The insurance company uses their own pricing company on many occasions. There are constant disagreements on pricing. This is why it is important to document this!

There are disagreements on depreciation. Insurance companies a lot of times apply excessive depreciation.
The condition of each item needs to be documented according along with a report on the wear and tear factor.

NOTE: if a pack out and cleaning company has already taken out items from your property along with a dry cleaning company these amounts need to be determined due to the fact the insurance company will deduct these “charges” from your content’s settlement. You need to see if you signed a direct pay authorization form allowing the insurance company to pay these vendors direct without your name on the check. Most of the time these form you have signed with these vendors are also power of attorney forms which allow the vendors to sign and endorse you name and deposit the check.

If there are items that can be cleaned or dry cleaned, we need to get a price it would cost to do this and then you can decide if you want to actually do the cleaning or to keep the money. There are many times that several pieces of clothing cannot be worn any longer and there would be no need to even clean them. These bills from the cleaners can be quite large.

CPR claims will negotiate with the insurance adjuster a replacement cost figure on the contents claim and an actual cash value on the contents claim. The recoverable depreciation is the difference between the replacement cost and actual cash value. There are deadlines that allow you to file your replacement cost receipts.

CPR claims will show you how to match up your content’s receipts to your inventory list to make sure you receive proper reimbursement.

NOTE: You want to avoid spending a lot of money where the replacement cost is much lower than the actual cash value claim. This means you will not be able to recover any monies since you did not spend the appropriate amount of money.

NOTE: You also want to avoid buying a bunch of items that total up to be the retail amount of a certain item or items thinking you are going to get full reimbursement for the items. You need to make sure you are aware of the tedious process of spending the proper amount of monies to get the maximum recoverable depreciation hold back amounts!

SALVAGE AGREEMENT: This is an area you need clarification on early in the claim. The insurance company pays you to repair, dean or replace your items. Several items are still at the pack out and cleaning facilities being stored. There are cases where the pack out company thinks your items are theirs since they know you were paid for them. This is not the case! You need to clarify that nobody keeps anything of yours until you say it is ok. The insurance company for the most part will not take the salvage.

PRICING DISPUTES: There may be a few items that cannot be replaced for the amount you have been compensated. If this issue comes up, please notify us so we can assist in resolving the pricing problem. We would need to notify the insurance adjuster to make them aware of this problem.

CONTENTS DEBRIS REMOVAL: There are times that the contents in the property need to be relocated to a safe environment due to the severity of the damage at the loss site. The insurance company does not compensate you for doing the inventory. This is what we do which is included in our service fee. Once the contents have been documented there is the possibility that the carrier will allow a contents debris removal invoice to be submitted.

REJECTED ITEMS ONCE RETURNED: There are situations where the contents that were cleaned and returned to the temporary living quarters of the insured. After further inspection you are not happy or satisfied with the quality of cleaning or odor of a particular item. This needs to be addressed and put on the inventory list and submitted to the carrier for an additional payment.

CONTENTS PACK OUT AND PACK IN EXPENSES: There are several things you are entitled to be paid for under your contents claim. If you are purchasing contents throughout the claims process and hauling these items around with ultimately putting them in a closet, drawer etc. you will be entitled to compensation for this. This also applies to moving into your temporary living quarters and then moving back to your permanent home once repairs or replacement has taken place.
WARRANTY ON ELECTRONICS: If an electronic cleaning type company has taken your electronics and has already cleaned them and for the most part, they are saying they are just fine, you will need a written warranty as to how long this warranty is good for. You also need to make sure you get a detailed list of what they cleaned on an item by items basis. You also need to make sure the warranty you have been given is in accordance with industry standards. If any of these items fail during the warranty time lines you need to find out who pays the inspection fees to come back to your residence, to evaluate the item, contact die adjuster to properly notify them, also notify your insurance agent, get in writing prior to the items failing the procedures that everyone agrees with. The adjuster who handled your case may or may not be there any longer. CPR will handle all these types of issues if we are representing your claims financial interest.

ADDITIONAL LMNG EXPENSE/LOSS OF USE CLAIM
This coverage is defined as to the difference between your normal monthly expenses and your expenses after the loss. (the insurance company owes you the difference between the two!)

ADDITIONAL GAS MILEAGE: You need to keep track of your daily driving mileage for all members of your family. You need to establish how many miles you were driving prior to the loss and how many miles you are driving after the loss.

UTILITY HOOK UP FEES: If you are charged to for hooking up your electric, g.is, water, cable etc. keep the receipts and this will be evaluated for payment at sometime during the claims settlement process.

KENNELING OF YOUR PETS: If you are unable to keep your dogs at the temporary living quarter the insurance company owes the cost to keep your pets at the kennel during the construction process and entire claim process. They will not pay for feeding the dogs since you would do this daily or pay to give your pets a bath.

RENTAL FURNITURE: The insurance company will pay for rental furniture if applicable for your temporary residence. This payment falls under the additional living expense coverage.

LAUNDROMAT FEES: If you do not have a washer and dryer the insurance company will reimburse you the cost to wash and dry your clothes. They may want to negotiate on a bulk laundry type payment.

FAMILY MEMBER LODGING EXPENSES: If you have stayed at a family members house the insurance carrier will reimburse you for a fair amount for the stay.

MANY OTHER TYPES OF JUSTIFIABLE EXPENSES COULD APPLY: There will
be other additional living expenses that may apply such as dining out expenses if you did not have proper cooking facilities after your loss. Just remember to keep all receipts!

CONCLUSION: There are many “FACTORS” that go into adjusting an insurance claim. The Multiple pages of thoroughly explaining the different “VARIABLES” are critical to the financial outcome of the claim. The EMOTIONAL TRAUMA sustained, the type of INSURANCE POLICY that is in force, the extent of damage, the market value of the Home, the adjuster from the insurance company, their altitude, their expertise, their Company claim handling procedures, the financial condition of the property owner, the borrowing power of the properly owner if another properly is to be purchased, The employment stability of the property owners employer, the age of children the Properly owners have especially if their college educations are just around the corners, The MARKET VALUE of the damaged home after it would be fixed, the UPSIDE MARKET VALUE where you may possibly owe more than the house is worth etc. If handled properly this could be your way out of STRESS AND FINANCIAL HARDSHIP!