Insurance claims adjusters and “Third Party Administrators (TPAs)” rarely possess an adequate understanding of your projects required to debate a competent structural restoration strategy. Yet they consistently attempt to declare your processes to be wasteful or wrong.
Claims adjusters perceive the contractor’s processes to be excessive due to the obvious fact that they stand to benefit from an inflated scope of work and price.
TPAs attempt to bully the contractor’s processes and prices after the work is done (even when agreements have been established) since their objective is to save their customer’s money (the insurance company).
The job… the structure… needs some neutral “representation” by a qualified entity prior to, and during the restoration processes.
The debaters (claims rep and TPA) are either unqualified or incapable of competently speaking to the needs of the project. They are biased and/or conflicted in the transaction since they serve the insurance carrier – just as they suspect the contractor is when he defines the scope and price of the work necessary to repair the structure.
An exceptionally qualified, neutral party is needed on the job to speak to the needs of the structure. One who has no prospect of reward once the scope of work has been established.
Introducing the Registered Third Party Evaluator (RTPE) is an individual who has attained exemplary formal education in the restoration of structures and contents. They are also identified within the industry as embracing a strict Code of Conduct and Ethics.
The RTPE can provide valuable services in defining and establishing the fulfillment of usual and customary workmanship following structural damage due to fire, smoke, water, weather and other unforeseen events.