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Los Angeles Times
09-05-2025
- Business
- Los Angeles Times
Think Your Homeowners Insurance Payout Is Too Low? Here's How to Push Back
Many wildfire survivors in Los Angeles are running into the same frustrating pattern after filing their insurance claims. The payout falls short of what they need to rebuild, or the check might only cover part of the damage based on a computer-generated estimate that doesn't match reality. If you believe your insurer has underpaid you, there are steps you can take to challenge the amount and demand a fairer settlement. Amy Bach, executive director of United Policyholders, a nonprofit that advocates for insurance consumers, shared guidance on how to push back. 'If your insurance company has offered you less than what you believe you're entitled to ... start by getting an independent estimate of your loss,' Bach said. This could come from a local contractor or builder. If the underpayment relates to your home's structure, hire someone with experience in post-disaster assessments. If it's about your personal belongings, prepare a detailed contents inventory. Bach also recommends pairing your estimate with a scope of loss, which documents the quantities and qualities of materials that were in your home, without including prices. It provides more detailed information, such as the square footage of carpeting, the type of countertops, molding details, and whether any features were custom. 'We really encourage people to take the time … so that they can compare apples to apples with the insurance company's estimate,' Bach said. It may cost money to do, Bach added, but it's especially important for people who want to buy a new home instead of rebuilding. When generating payouts, insurers often rely on software like Xactimate to estimate costs, Bach said. 'The default settings are for tract homes and flat areas. The pricing is not going to be realistic for California very often,' because of the custom homes and higher building costs, Bach explained. Insurers may also use contractors who, according to Bach, 'are friendly to them, who are going to say what they want.' They are typically 'on the low side of their quotes,' she added. When it comes down to it, 'having a real-life local builder give you an estimate to put your house back the way it was, before the loss, is going to get you a lot farther than anything else,' Bach said. Once you have your own documentation, send it to your insurer with a clear and professional letter about your claim. 'Present your position … and reference the laws that insurance companies are obligated to follow,' Bach said. This letter should include your independent estimates, photos, receipts, and any other supporting documentation. Clearly state the amount you're requesting, why you believe it's justified, and that you expect the company to comply with California insurance regulations. 'You have to be businesslike about it — this is a negotiation,' Bach said. If your insurer still won't budge, there are other steps to take to increase the payout, like filing a complaint with the Department of Insurance. California's Department of Insurance accepts consumer complaints online and may contact the insurer to help get to a resolution. This step creates a formal paper trail, which can be helpful if the dispute continues. 'People go off track in their negotiations with their insurance company, because the insurance company thinks they're trying to profit from their loss,' Bach said. 'That's why we really emphasize proving your case through independent documentation from third parties.' If the matter remains unresolved, Bach said it may be time to bring in outside help like a public adjuster or a lawyer. Public adjusters typically charge a percentage of your settlement, which is paid after it is secured. Under California law, public adjusters cannot take more than 10% of the total insurance recovery claims related to a declared disaster, like the Palisades and Eaton wildfires. Bach recommends using California-based adjusters, checking their references, and ensuring they're members of reputable trade associations, such as the Pacific Coast Association of Public Insurance Adjusters (PCAPIA) or National Association of Public Insurance Adjusters (NAPIA). Bach said it's the best way to ensure they know California law and can help you recover everything you're owed to rebuild 'stick for stick, board for board, the exact same house that you had.' Being an advocate for yourself, staying organized, pacing yourself, and comparing notes with neighbors insured by the same company can make all the difference when disputing a payout, Bach said. 'Your insurance company is not on your side or your good neighbor. They're a for-profit business,' Bach said.
Associated Press
21-02-2025
- Business
- Associated Press
Patriot Restoration Announces Expansion into Commercial and Government Restoration Services
Patriot Restoration is expanding its disaster recovery services to focus on commercial properties and government contracts, setting a new standard in the restoration industry with advanced technology and a client-first approach. United States, February 21, 2025 -- Patriot Restoration Expands Operations to Serve Commercial and Government Sectors Patriot Restoration, a leading provider of disaster recovery services in East Tennessee, has announced a strategic expansion into commercial and government restoration projects. With a growing demand for high-quality property recovery services, the company is shifting its focus beyond residential claims, positioning itself as a premier restoration partner for businesses, property owners, and public-sector clients. Founded by TJ Wiberley, Patriot Restoration has built a strong reputation for its transparent pricing, advanced restoration techniques, and commitment to minimizing downtime for businesses. By integrating cutting-edge technology and establishing key partnerships, the company aims to transform the way restoration services are delivered in the commercial and government sectors. 'This expansion allows us to provide high-value restoration services without the typical delays and compromises associated with insurance-driven models,' said TJ Wiberley, President of Patriot Restoration. 'We are committed to delivering fast, efficient, and transparent solutions that meet the unique needs of businesses and government entities.' Addressing the Gaps in Commercial Restoration Services The restoration industry has long been centered around residential insurance claims, often leaving commercial property owners and public institutions facing extended delays and incomplete repairs. Patriot Restoration is addressing these challenges by offering a commercial-first approach that prioritizes: Rapid Response for Businesses and Public Buildings – Ensuring minimal disruption and downtime. Specialized Restoration for High-Value Properties – Tailored services for properties exceeding $600,000 in value. Direct Client Relationships – Transparent pricing and clear communication without insurance-driven limitations. This shift comes at a time when many businesses are seeking reliable restoration partners that can provide full-service mitigation without the complications of insurance claim disputes. Leveraging Technology to Streamline Restoration Processes Patriot Restoration is integrating state-of-the-art technology to improve efficiency, accuracy, and transparency in restoration projects. The company utilizes industry-leading software such as: Encircle for real-time documentation, including moisture readings and imaging. Xactimate and Kahi for precise estimating and project management. GoHighLevel CRM for automated client communication and service tracking. Docusketch for advanced 360-degree property imaging. By adopting a technology-driven approach, Patriot Restoration ensures that every project is documented with precision, providing clients with clear timelines, cost estimates, and real-time updates. 'Restoration is about more than just fixing damage; it's about ensuring property owners have complete confidence in the recovery process,' Wiberley said. 'Our investment in advanced technology allows us to deliver faster, more transparent, and highly effective restoration solutions.' Expansion into Government and Institutional Contracts In addition to serving commercial clients, Patriot Restoration is actively working toward securing government contracts to support disaster recovery efforts at the municipal, state, and federal levels. The company is currently pursuing: TIPS Registration to become an approved vendor for government agencies. Small Business Enterprise (SBE) Certification to expand its eligibility for public-sector restoration projects. Strategic Partnerships with Municipal and Federal Agencies for rapid disaster response and mitigation. By broadening its reach to include government contracts, Patriot Restoration aims to play a critical role in disaster recovery efforts for public institutions, ensuring that essential facilities such as schools, government offices, and infrastructure are restored efficiently. Strengthening Industry Partnerships and Referral Networks As part of its expansion strategy, Patriot Restoration is also strengthening its industry partnerships to establish a reliable network of referral sources. The company has launched the Referral Reactor program, designed to provide seamless lead generation for trade professionals such as: Plumbers and HVAC Technicians who encounter water damage and can refer clients directly. Commercial Property Managers looking for dedicated restoration partners. General Contractors and Builders in need of professional mitigation services. By diversifying its lead generation approach, Patriot Restoration ensures a steady flow of projects while providing added value to industry professionals looking to support their clients with reliable restoration services. A Commitment to Professionalism and Expertise One of the defining characteristics of Patriot Restoration is its focus on training, leadership, and team development. Unlike many restoration companies that struggle with high turnover and inconsistent service, Patriot Restoration prioritizes: Ongoing Training Programs through Cardone University and industry certifications. A Leadership Team with Over 20 Years of Industry Experience. A Structured Approach to Client Communication with dedicated project coordinators. These efforts ensure that every project is handled by highly skilled professionals who operate with efficiency and integrity. 'Our clients deserve more than just a quick fix; they need restoration solutions that are backed by experience and expertise,' Wiberley said. 'We have built a team that understands the complexities of large-scale restoration projects and is committed to delivering exceptional results.' Looking Ahead: The Future of Patriot Restoration As Patriot Restoration continues to expand, the company remains dedicated to its core mission of providing reliable, transparent, and high-quality restoration services. The company's growth strategy includes: Further Expansion into the Southeast to serve a broader commercial and government client base. Advancing its Technology Infrastructure to enhance service capabilities. Strengthening Partnerships with Industry Leaders to drive long-term growth and sustainability. By focusing on commercial and government projects, Patriot Restoration is setting a new standard in disaster recovery—one that prioritizes efficiency, transparency, and long-term value for property owners. About Patriot Restoration Patriot Restoration is a disaster recovery company specializing in water, mold, and smoke damage restoration for commercial properties, government buildings, and high-value residential homes. Based in East Tennessee, the company is recognized for its commitment to transparency, advanced technology, and expert service. With a focus on minimizing downtime and delivering superior restoration solutions, Patriot Restoration is redefining the industry standard for commercial and institutional property recovery. Media Contact TJ Wiberley 865-272-2350 LinkedIn Contact Info: Name: TJ Wiberley Email: Send Email Organization: Patriot Restoration Release ID: 89153555
