Contractors Have Rights
Overhead and profit are commonly recognized as parts of any project requiring coordination of different trades. Overhead and profit should be applied to the entire job and not particular items picked and chosen by the insurer.
A contractor has a right to discuss the scope of the claim pursuant to his valid contract with the policyholder. This involves talking about what needs to be done and the contractor’s reasonable charges for this item. At the same time, the insurer should listen to the contractor to investigate the claims made by the contractor.
The contractor should act in a reasonable manner on behalf of the policyholder. The contractor should get permission from the policyholder to communicate with the insurer. Most policyholders rely upon the contractor.
A public adjuster affects and negotiates a claim. A public adjuster cannot be both a public adjuster and a contractor for the claim.