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Tips for Disaster Survivors

Insurance negotiations are different than a standard negotiation such as when buying a car or trying to get a raise.
 
For example, when asking for a raise, one strategy might be to ask for more than you're willing to settle on. For example, if you make $20 an hour and want $25 an hour you might walk in asking for $30 an hour and be okay when you get $24.50.
 
When negotiating an insurance claim, you can not use this strategy. You need hard evidence that your claim is what it is and you can not budge because your evidence is solid. In fact, if you have a $500,000 claim and start at $650,000 just to "get down" to $500,000 the insurance company might be able to invalidate your entire claim because you fraudulently claimed $650,000 when you weren't owed this amount.
 
This difference is because you entered into the contract, or policy, before the claim and you already agreed on "replacement" and no more. What is "replacement"? Most people were told by their insurance company how much insurance they needed and that it would be plenty in case of a loss. If you have a loss and are finding they were wrong then come to our meetings or contact us for a policy/claim review.
 
For more Insurance Negotiation Tips, download our updated Negotiation Tip Handout at:
Handout11-NegotiatingTips.pdf

Inspirational Quotes

When the Japanese mend broken objects, they aggrandize the damage by filling the cracks with gold.  They believe that when something's suffered damage and has a history it becomes more beautiful.

Barbara Bloom

Testimonials

We lost our home in the 2007 Witch Creek Fire in Poway CA. As was the case with most (if not all) of my neighbors, we were drastically under insured through no fault of our own. I don’t believe that anyone is prepared for such a catastrophic emotional and financial loss. The task of completely rebuilding your life is monumental. Fortunately, the city of Poway co-operated with CARe and allowed them to hold bi-weekly insurance meetings in the City Chambers. After attending 2 of the group meetings we then scheduled several one-on-one meetings with CARe and were able to start to piece together the puzzle that is a catastrophic insurance claim. The resources which CARe was able to put us in touch with were incredible, and after they showed us the basics of handling an insurance claim we felt that we had knowledge to work through the once daunting task of negotiating with our insurance company. We could not have made it through the process without the information, help and encouragement that we received from CARe

Witch Creek Fire Survivor, 2007