Uniform Appearance

Posted on

March 27, 2024

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Uniform Appearance

Uniform Appearance

Uniform appearance is always a topic of concern in our industry. Did the insurance company pay for some of your flooring but not all of it? Did they replace some of your cabinets but not all of them? The term uniform appearance is so widely used. Below you will see the language from the California Department of Insurance.

Section 2695.9. Additional Standards Applicable to First Party Residential and Commercial Property Insurance Policies

(a) When a residential or commercial property insurance policy provides for the adjustment and settlement of first party losses based on replacement cost, the following standards apply:

(1) When a loss requires repair or replacement of an item or part, any consequential physical damage incurred in making the repair or replacement not otherwise excluded by the policy shall be included in the loss. The insured shall not have to pay for depreciation nor any other cost except for the applicable deductible.

(2) When a loss requires replacement of items and the replaced items do not match in quality, color or size, the insurer shall replace all items in the damaged area so as to conform to a reasonably uniform appearance.

The real explanation behind this is, technically your insurance policy only pays for that ONE damaged tile, or that ONE bank of cabinets. The DOI (department of insurance) comes in and provides the uniform appearance language which is why you can make the argument to replace all the cabinets or flooring “as to conform to a reasonably uniform appearance.”.

Meet David Melzer by Canvas Rebel

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Posted on
March 16, 2024
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Meet David Melzer by Canvas Rebel

Alright, David thanks for taking the time to share your stories and insights with us today. We’d love to have you retell us the story behind how you came up with the idea for your business, I think our audience would really enjoy hearing the backstory.

My entrepreneurial inception germinated from my professional background within the insurance industry. I recognized a distinct opportunity to offer specialized services aimed at advocating for and representing homeowners grappling with the aftermath of flood and fire damage to their properties. In many instances, insurance companies, driven by cost containment, tend to undervalue and underpay legitimate claims. It was this systemic issue that prompted me to establish a business dedicated to championing the rights of homeowners in their interactions with insurance giants.

The genesis of this endeavor can be traced back to my extensive decade-long tenure within prominent insurance organizations. During this period, I became increasingly disheartened by the approaches employed in client interactions. However, the watershed moment occurred in 2019 when I confronted a substantial flood event impacting a recently acquired rental property. The initial settlement offered by my insurance provider amounted to a mere $7,500.00, which was grossly insufficient to cover the extensive repairs required. After protracted negotiations and arduous advocacy, we ultimately reached a more equitable settlement of approximately $130,000.00.

It was during this challenging experience that a profound realization emerged – if I possessed the acumen and resolve to navigate this complex terrain successfully for myself, there was a compelling imperative to extend such expertise and representation to the broader public. Consequently, our enterprise was conceived as a conduit for accessible professional expertise and unwavering representation, ensuring homeowners receive the advocacy they rightly deserve.

As always, we appreciate you sharing your insights and we’ve got a few more questions for you, but before we get to all of that can you take a minute to introduce yourself and give our readers some of your back background and context?

I bring a wealth of experience from a diverse background in the insurance industry. Over the years, I’ve developed a highly effective negotiation process rooted in extensive knowledge of insurance laws, regulations, and industry standards. This process consistently delivers exceptional results for our clients, with an average return on claims that surpasses industry standards by an impressive 400%.

Podcast: How to Not Get Wrecked by Insurance Companies

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Posted on

March 10, 2024

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Podcast: How to Not Get Wrecked by Insurance Companies

Podcast: How to Not Get Wrecked by Insurance Companies

Episode 163

Have you ever felt shortchanged by an insurance claim on your property? You are not alone! Joining Mike and Dan today on Collecting Keys Podcast is David Melzer, a public insurance adjuster with expertise in advocating for property owners as they battle insurance companies for a better payout. He explains the role of public adjusters and the complexities of insurance claims, including why many insurance companies give lowball estimates and mistakes policy holders make when dealing with insurance companies.

Get More for Your Claims With an Expert

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Posted on

March 6, 2024

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Get More for Your Claims With an Expert

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