We are batting .1000 this year on insurance companies calling and complaining about our prices. These are the same insurance companies who approved these exact same prices last year.

I keep asking the reps why they approved the prices last year but this year they have an issue with them and to this point not one of them has an answer.

I am wondering if they are pinching pennies getting ready for the hit they are about to take with Obamacare?

I know last year some guys were saying they were already starting to get static from insurance companies and it looks like it has finally reached me.

Allstate told me they would only pay $1.79/sqft for removal and new insulation combined..............Are you guys charging this price?

the hit they are about to take with Obamacare?

Uh, O-care is gonna be a huge boon for the medical insurers. Everybody's going to have to get insurance or pay a fine.
A well-known secret: Insurance companies will have tons more business; they'll just have to stop screwing their customers.

Nope...we would not get out of bed for $1.79. But, if ya'll will....then rates will fall.

Exactly.

I can not figure out how they came up with this number. It appears they either don't know how they came to that base price or they are not willing to share. I have asked them to give me the name of ANY company that will do it for that price and to date have not received one.

Ask the adjuster if they will crawl around in crap for $1.79

4.00 seems a goog starting point some a little higher some a little lower much away from 4
dollars I can think og more fun things to do.

Are there rates in exactamate?

Not sure Dave. To this point nobody is willing to tell me how they figured their rates.

It is sort of like trying to figure out how they set gas prices. Short story.
For years schools hired the superintendents. There was a small dist. that did not have a pot to @#$$ in or a window the pitch it out of hired a firm to do the work,$10,000 dollars. I ask why they started doing that and they answered everyone is doing it now days. The person went to a superintendents
convention and the subject was on the agenda. So now everyone is doing the same thing. That is how the word get around IMO.

Insurance companies use estimating software. One of the largest software companies is Xactimate. They update their pricing monthly based on local prices. Typically the price is average or better. Things that will not be in the pricing is accessibility, mileage if a long distance, and maybe dump fees. The insurance company should be able to tell you what is include in their pricing. I know on roofing they get their pricing from Home Depot and Lowes.

Around here they think we should do it at the
Same rate the insulation company's charge for
Fire damage insulation which is around 1.00
A sqr ft for clean out and .74 cents to put it
Back in! So 1.74 to crawl in clean insulation isn't
Worth it to me!

That makes since. Do use any equipment they would not such as mask, gloves. If so xactimate has a price for it. Is any special handling required, bagging. I would also want to know what the insulation Co. are doing. How do they dispose/ recycle. They are also probably sucking it up into a truck. Can they do that with contamination. Just ideas.

If insulation companies are so cheap then why are you guys not contracting through them? Also it is a lot easier to remove insulation after a fire. Usually a portion of the drywall ceiling is removed.

insurance companies cant tell home owner who they can use and they cant tell you how much they will pay you. it is called price fixing and it is a federal law they cant do it we run a tree service have run it since 1978 and have insurance companies all the time tell us we dont want to pay that but aslong as the homeowner pays his deductible he has the right to use whoever he wants and they can charge accoringly. insurance companies train there people to talk a certain way to make you think they are telling you they wont do something but they really arent saying that that would be illegal. my partner and dad used to sell for an insurance company and they did just that thats why he doesnt sell amymore.

Thoroughly sell the customer on your work then turn the customer loose on their ins co. When the customer wants you to do the work and thinks they will have to pay the difference, they take it out on the ins co. Years ago in another business. I had an ins co ask me for my parts invoice so they could determine my markup. I asked them for their operating statements. When they asked why I said I wanted to find out their operating costs so I could determine what my premium should be. End of conversation and they never asked again.

Good one Tom.

What if it rat soiled insulation? Most insurances won't cover rodents from what I've been told.

Baxter, why would you tell an insurance company that it's rodents. You tell them it's vampire bats and that they better take your word for it or you may have to pierce their heart with a wooden stake somewhere down the line.

I have never told them anything. That is coming from homeowners. The insurance company was telling the owner that they didn't cover rodents(raccoons).

Tell them that raccoons are not rodents .