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@dyhfjsjf I would let them know you have complied with your duties under the terms of the policy and ask them to issue a formal denial letter if they are refusing to pay what you need for the furniture.

@espadinya I had the exact same scenario. Quote: "they don't let us address moisture meter readings". I had a water loss, and you mean to tell me you don't use industry-standard technology to determine the scope of my loss? The reason is that they don't want to properly investigate your loss -...

@alan226 I was initially offered $20k on my claim although mitigation, pack out, and build back estimates exceeded $400k. Lowball offers are definitely a real thing, especially by a few of the larger carriers.

@espadinya 1000000000000000000000000000000000% I have so many documented ways the insurer violated the policy language, state laws, and just commonly agreed on fair dealing/good faith and I want to broadcast it to the world.

@espadinya EDIT - I was responding to another message you wrote, I think. This sounds EXACTLY like my experience. I had a pipe burst while I was traveling and hired called my insurance company immediately. Insurer suggested I call ProServ but they never got back to me, so I found my own...

@tylerlee This is solid advice. Once the scope is in agreement, you can work through pricing disagreements easier. The scope is definitely the most important piece in the negotiation.