The best move you can make to protect you and your investment.
Having a diligent independent inspection company can make all of the difference in any home or auto repair or insurance claim. From the first call made to the insurer until the owner’s car or home is restored to pre-loss condition, having a competent and credible independent inspector working on one’s behalf does wonders to ease stress, and justifies the auto/home insurance rate being paid. However, people are often not familiar with many of the steps that are necessary for the insurance process to be properly completed, leading to confusion or even anger on the part of the policyholder.
One process that is often misunderstood is that of reinspection. After a car/home has been damaged in an accident or act of god and has been examined by the repair or body shop or contractor, an estimate of the damage value will be provided to the insurance company detailing the projected cost to fix the car or home. At this time, an adjustor from the insurance company will also come out to inspect the car or home and to ask the repair shop or contractor to make additional repairs if needed, or check the car or home more thoroughly if there is a suspicion of hidden damage. An example of this might be damage to the auto suspension or home foundation. It may not be visible on a first inspection, so an adjustor might ask to have the auto stripped down or drywall removed and the suspension tested or foundation inspected, to make sure it is undamaged.
Once the repairs have been completed, or are close to completion, the adjustor will usually visit the service provider again to examine the repairs and reinspect the car/home. This auto insurance reinspection is done for two reasons. First, it is done to make sure that the repair shop or contractor has (or is in the process of) properly completing the repairs. This means that they are not cutting corners, using substandard parts or not doing a thorough job. This protects the client so that when their car is returned or home finished, they can be assured that they are driving a vehicle that is as safe as it was before the accident or living in a home that is safe before the damage.
Secondly, the independent inspector returns to reinspect the car/home for the sake of the vehicles/homeowners. Again this is to make sure that the work is being completed correctly, but it is also to make sure that the cost of the original estimate is justified. The independent inspector will look at what parts/materials that were used, if there were any additional charges and ensure that the work completed is worth the amount charged. This helps to protect both the client from unscrupulous repair shops/contractors, and the auto/home insurance provider from paying too much for the repairs.
While this independent reinspection can delay the return of the car to the policyholder, or the home repairs from completed a few more days, it is a strongly suggested step, and one which helps protect all parties involved.
Independent Inspectors work for the customer, protect the customer against the poor companies and against poor insurance companies.