Most insurance companies require a scope of damage report to determine the value of a property damage claim. This report includes important information detailing the type of property damage incurred, and a breakdown of material and labor costs required to restore the property. The insurance company’s adjuster will most likely be the one to prepare the report. They gather essential information by performing an assessment of the damaged property, and getting more clarity on the accident from the policyholder.

Insurance companies make their claims-based decisions off the amount of evidence provided. Although they may take it upon themselves to gather the information they need, it serves your best interests to have documented evidence of your own. If coming to a mutual agreement becomes too challenging once the negotiation process begins, comparing your scope of damage report with the insurance company’s might bring you closer to one. Sharon Black can assist you with preparing an independent scope of damage report. Her attention to detail, as well as her knowledge of the evidence insurance companies use, have protected many past clients from bad deals.