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From YouTube: Rebuild Workshop #3 Insurance Negotiations
Description
Rebuilding Together Peninsula's Dollars and Sense:
Home Repairs, Insurance, Rebuilding & Recovery
Workshop #3: Insurance Negotiations
January 9, 2011
Skyline College
A
Here
we
and
our
staffs.
We
put
together
these
panels
to
shed
light
on
the
issues
that
your
community
is
facing
during
the
recovery
process,
and
we
tried
to
highlight
some
of
the
major
issues.
This
is
only
one
in
a
series
of
events.
We
are
going
to
be
continuing
to
host
through
the
one-year
anniversary
of
the
event
and
I
just
want
to
say
the
last
insurance.
What
a
one
program
we
did.
A
We
tried
to
get
a
feel
from
the
audience
about
what
other
subjects
folks
would
want
to
hear
about,
and
we
got
a
very
clear
request
for
information
on
how
to
make
the
decision
to
rebuild
or
by
which
is
going
to
be
the
fourth
workshop.
We
were
also
asked
about
a
vendor
fair
and
we
know
there
are
a
lot
of
tax
questions
that
are
out
there.
A
I
was
at
the
town
hall
meeting
that
congresswoman
Speier
hosted
and
we
actually
had
invited
a
representative
from
the
IRS
to
come
today,
but
they
are
going
to
be
holding
their
own
event
here,
sometime
in
the
near
future,
and
I
want
to
give
you
our
word
that
United
policyholders
will
be
offering
an
educational
program
on
tax
issues,
but
we're
going
to
see
how
what
the
IRS
brings
and
then
we'll
make
sure
that
we're
not
duplicating,
but
that
will
be
just
adding
supplementing.
So
our
this.
A
For
this
third
workshop,
we've
got
Ken
crown,
who
is
a
professional
claims,
adjuster
he's
also
with
the
Greenspan
company,
the
public
adjusting
firm,
that's
local.
They
were
based
there.
Their
headquarters
are
in
South
San
Francisco,
but
they
do
have
offices
around
the
state,
and
you
heard
from
his
colleague
Allison
hunt
in
the
first
workshop
on
she's
a
content.
Specialist
Kenny
is
a
full
claim
specialist,
so
he
he
will
handle
for
his
clients
soup
to
nuts
everything,
including
documenting
their
losses
and
negotiating
a
settlement
with
the
insurance
company.
A
So
ken
is
on
the
panel
and
then
Michael
McCutchen,
who
is
a
builder
contractor
for
those
of
you
who
are
at
the
second
workshop?
You
heard
his
introduction
and
he
both
these
guys
are
very
valuable
speakers
to
for
this
community,
because
not
only
are
they
both
local
but
they're,
very
experienced
in
post-disaster
damage
issues
from
documenting
construction
costs
to
insurance
negotiations,
to
building
to
concluding
insurance
negotiations
and
getting
back
home
now
before
I.
Let
them
get
started
and
you
can
all
read
the
disclaimer
up
there
we're
here.
A
We
come
in
peace,
but
we
have
to
put
this
out
there.
I'm,
a
lawyer
and
I
just
want
to
make
sure
it's
clear,
we're
not
trying
to
give
anybody
specific
legal
advice
here,
so
just
so
that
you
all
understand,
if
you
haven't
gotten
sick
of
hearing
from
me
on
the
listserv
or
at
any
of
the
meetings
where
I've
popped
up
to
offer
information,
we
do
have
a
library
online
at
our
website
up,
helped
org
and
in
addition
to
offering
tips,
we
have
the
top
10
clean
tips
and
things
like
speak
up
effective
communication.
A
These
are
very
pragmatic
suggestions
for
being
your
own
best
advocate
in
connection
with
recovering
from
a
loss,
but
we
also
offer
are
some
samples
that
may
help
you
to
absorb
and
use
the
information
you're
getting
from
our
experts
today.
So
some
of
our
samples
have
actually
been
donated
to
us
by
people
like
the
Greenspan
company
and
by
builders
for
educational
purposes.
So,
for
example,
at
our
website,
we've
got
a
sample
scope
of
loss.
A
B
A
A
I
wanted
him,
because
when
our
former
insurance
commissioner
john
garamendi,
who
was
one
of
the
best
insurance
regulators
we've
ever
had
in
the
state,
went
on
to
work
in
Congress
and
I
think
he's
there.
Now,
when
his
mother's
house
had
a
fire,
he
hired
Kenny
to
be
her
gesture.
So
that
speaks
a
lot.
I
think
and
I
wanted
him
to
be
on
our
panel.
So
can
you
can
either
sit
or
stand
at
your
choice?
A
B
First,
things
first,
is
your:
if
your
home
is
completely
destroyed
to
the
ground,
you've
got
to
recreate
it
and
I
came
in
talent
of
Michael's
meeting
and
I
worked
with
Michael
on
a
on
a
large
multi-million
dollar
home
that
was
not
totally
destroyed,
but
trying
to
recreate
a
home
that's
been
completely
destroyed.
Where
there's
nothing
left,
an
exact
domain
is
foolish.
It
just
is
very
difficult
to
get
done.
You
can
use
Xactimate
it's
a
tool,
but
first
things,
first
is
talk
to
the
insurance
company.
B
Go
to
the
other
homes
that
are
down
the
street
or
have
them
agree
to
set
a
preliminary
plans
to
get
the
architect
insured
is
thinking
of
using
to
put
together
a
bid
specification
package
to
document
as
substantially
as
possible
with
the
home
and
the
finishes
that
existed
and
then
get
bids
get
a
general
contractor.
The
general
contractor.
If
he's
got
a
preliminary
set
of
plans
and
he's
got
specification
package,
you
can
get
sub
it
because
the
exact
many
prices,
if
this
was
a
home,
that's
been
customized
over
the
years.
B
B
Usually
it
takes
about
two
to
four
months
to
put
together
a
well-documented,
detailed
building
claim
the
contents
can
take
longer
because
you're
having
to
recreate
the
personal
property
and
to
me
that's
not
as
important
as
the
building,
especially
if
there's
time
limits,
although
I
believe
most
of
the
policies
extended
to
24
months
under
the
firestorm.
But
usually
you
know
recreating
it
getting
the
architect
involve
finding
out
what
the
codes
the
process
it
can
take.
A
good
four
months
on
the
building
claimed
contents.
B
B
That
no
usually
I
didn't
hand
handle
Betty
and
Bruno's,
but
usually
the
losses
you
know
depends
on
how
difficult
the
losses
and
and
how
much
information
you
have.
But
if
you
have
information
readily
available
or
if
it's
a
chub,
which
is
a
completely
different
insurance
company,
usually
on
just
a
regular
fire,
takes
anywhere
from
30
to
60
days,
to
put
a
claim
together
on
an
out-of-sight
building,
losses
completely
to
the
ground
can
usually
take
three
to
four
months.
B
Sometimes
longer
depends
on
how
quickly
we
can
get
the
information
from
the
insured
and
from
the
insurance
architect.
As
far
as
settling
a
claim,
it
depends
on
the
insurance
company
depends
on
how
much
information
you
have
how
quickly
you
submit
the
claim
whether
they
brought
out
a
legitimate
contract,
or
are
they
working
with
the
insurance
general
contractor,
but
usually
from
the
time
we
submit
a
claim,
typically
60
days,
sometimes
90
days
to
settle
it.
Sometimes
only
30
days
really
depends
on.
The
players
depends
on
the
adjuster
from
the
insurance
company.
B
Our
role
is
to
represent
insured
in
measuring,
documenting
the
losses
and
negotiating
a
successful
settlement.
We
take
the
burden
off
of
the
uninsured
shoulders,
so
you're
not
having
to
deal
with
the
insurance
company.
You
can
try
to
get
back
to
your
normal
lives,
although
it
won't
be
ever
normal
until
the
home
is
rebuilt,
but
we
certainly
alleviate
the
burden
off
of
your
shoulders,
we're
kind
of
like
a
quarterback.
B
We
guide
you
through
the
process
help
you
recreate
the
personal
property
that
was
destroyed,
helped
put
together
a
detailed
building,
claim
deal
with
the
insurance
company
personnel
they're
experts
that
they
bring
in
their
building
consultants,
their
adjusters
and
obviously
maximize
the
recovery.
On
your
behalf,
the
more
we
collect
for
you,
the
more
you
make
the
more
we
make
and
we
certainly
earn
our
fee
if
you've
spoken
to
any
of
the
our
clientele.
B
Public
adjusters
are
our
fees
it,
depending
on
the
size
of
the
loss,
typically
range
from.
You
know:
six
and
a
half
percent
up
to
ten
percent.
Sometimes
we
charge
12
and
a
half
percent
depending
on
the
nature
of
the
loss.
Our
fees
are
typically
not
covered.
Although
some
commercial
policies
for
commercial
businesses
will
have
coverage
for
claims
adjusting
expenses,
sometimes
they
exclude
public
adjusters
fees.
Sometimes
they
don't.
However,
our
fees
typically
lease
on
a
commercial
side
or
tax
deductible.
It's
part
of
the
costs
of
running
your
business,
yes,
Steve.
A
You
mentioned
that
that
it's,
that
that
ensures
other
than
commercial
policies
won't
reimburse
a
homeowner
for
the
fee
they
pay
to
you.
We
heard
some
questions
earlier
about
what
about
getting
them
to
pay
for
my
architects
fees,
what
about
getting
them
to
pay?
For
my
let's
say
if
I
have
to
get
an
appraisal
appraisal
of
valuables
right.
A
B
That's
just
volume
1
of
a
personal
property
claim
that
was
in
Santa
Barbara
and
first
of
all,
the
insurance
company
I,
you
know
the
cost
of
proving
the
loss
is
the
insured,
but
an
insurance
company
should
pay
for
the
value
of
appraisals
that
are
done.
It's
the
only
way
to
properly
evaluate.
Sometimes
they
do.
Sometimes
they
don't
as
far
as
architectural
fees
and
there's
different
ways
to
play
it.
But
an
insurance
company
knows
that
there's
no
way
you
can
recreate
a
building
without
getting
a
proper
bit
and
in
fairness.
B
It
wasn't
an
exorbitant
expense,
3,500
dollars
back
then
to
put
together
just
a
a
percent
of
just
preliminary
plans,
got
an
architect
to
put
together
a
bid
specification
package,
and
it
allowed
us
to
provide
a
detailed
Xactimate
estimate,
but
at
the
same
time
allowed
us
to
get
sub
bids.
But
if
you're,
trying
to
just
recreate
a
building,
has
been
burnt
to
the
ground
without
a
set
of
plans,
you
can
do
it.
It's
not
going
to
be
as
accurate
as
getting
an
estimate
based
on
a
preliminary
set
of
plans
and
usually
insurance
companies.
B
B
By
the
way,
I
overheard
some-
if,
if
you've
got
some
existing
homes
that
are
model
homes,
I,
don't
think
there's
a
problem
with
going
into.
If
you
can
get
permission
go
into
that
home
and
have
the
insurance
company
adjuster
their
contractor.
Your
contractor
Gulf
of
that
home
I
mean
that's
not
that
hard
to
do,
and
you
can
use
exacta
me
for
something
like
that.
We've
done
that
before,
but
you
also
need
a
good
engineer
to
an
architect.
There's
going
to
be
a
lot
of
code
upgrades.
B
If
you're
having
coverage
issues
now,
you'll
need
an
attorney
unless
there's
coverage
issues.
If
there's
coverage
issues
the
insurance
company
has,
for
example,
you
may
have
what's
called
extended
replacement
cost
coverage
and
with
the
extended
replacement
cost
agrees
that,
if
you've
not
remodeled
the
home
and
you've
increased
the
value
by
more
than
either
five
percent
or
five
thousand
dollars,
then
we
will
provide
an
additional
twenty
five
percent
or
fifty
percent
more
coverage
for
your
building.
B
Well,
sometimes
they'll
interview
you
right
after
a
fire,
you're
distraught
and
they
say
well,
have
you
been
remodeling
I've
done
lots
of
Ramat.
What
have
you
done?
Oh
remodel
the
bathrooms
I.
Did
this
I
did
that?
Well,
one
time
we
had
an
insured
who
was
denied
coverage,
and
you
know
we
ended
up
getting
involved
before
we
got
them
an
attorney.
We
we
asked
the
same
question,
but
a
remodeling
is
different
than
an
upgrade.
B
The
intention
of
that
clause
and
the
policy
is
that
if
you
upgrade
a
home,
if
you
do
a
room
addition,
which
means
you
should
have
increased
the
amount
of
insurance,
then
your
prejudicing
the
in
short
insurance
companies
right
to
have
collected
a
greater
premium.
So
just
because
you've
done
remodeling
if
you're
replacing
tile
for
tile
carpet
for
carpet.
That
clause
is
not
impacted
and
you're
still
entitled
to
your
twenty-five
percent.
B
A
Just
just
to
clarify,
then
I
know
a
lot
of
you
here
actually
have
retained,
counsel
in
connection
with
your
non-insurance
sandwiches
and
and
and
that's
a
completely
separate
matter.
That's
not
what
we're
talking
about
here,
but
certainly
before
you
entered
an
ND
into
any
final
settlement
discussions
with
your
insurance
company.
You
would
want
to
check
with
your
lawyer
if
you've
got
one,
that's
just
I
think
would
be
prudent.
Yeah.
B
Well,
you
know,
that's
it.
That's
a
two-fold
question
a
lot
of
times
the
way
insurance
companies
work
is
some
of
the
contractors,
a
lot
of
them
that
they
have
bidding
for
them,
they're
on
their
list
and
it's
a
preferred
list
of
contractors
and
they're
on
their
list,
not
because
they
bid
high
because
they
bid
low
and
I,
and
they
is
not
that
they
bid
low,
purposely
but
they're
they're,
doing
volume,
business
and
they're,
not
by
the
way
contractors
like
Michael.
B
These
are
contractors
that
do
the
$50,000
repair
or
hundred-thousand-dollar
repair,
not
the
half
million,
a
million
dollar
rebuild
of
a
brand
new
home
and
it's
all
volume
oriented.
So
that's
why
the
insurance
company
uses
it
uses
them
and
when
their
prices
get
too
high,
they
took
they
knock
them
off
the
list
they
bring
in
someone
new.
But
there
are
some
contractors
for
the
insurance
that
bid
for
the
insurance
company
that
aren't
that
bad
and
you
just
need
to
check
them
all
out.
B
B
Well,
they
say
they'll
guarantee
it
usually
they're
on
their
list
for
23
years,
you're
going
to
get
the
same
guarantee
from
a
regular
general
contractor.
So
I,
don't
I
wouldn't
hire
a
contractor
because
the
insurance
company,
a
Greek,
guarantees
their
work
and
if
they
do
guarantee
their
work,
then
I'd
be
had
I'd,
be
questioning.
Why
should
I
even
hire
this
person?
I
mean?
Why
does
the
insurance
company
have
to
guarantee
their
work.
B
Yes,
absolutely
I,
guess
you
know
one
of
the
things
that
you
run
into,
or
maybe
you
have
already
you
go
ahead.
You
do
your
demolition
and
now
you've
got
damages
to
the
foundation
if
it
was
all
if
it
was
figured
to
be
salvaged
or
you
have
damage
to
your
walkways,
your
concrete
driveways.
Yes,
you
can
submit
a
supplemental
claim.
Your
claim
doesn't
then
until
you're,
actually
back
in
your
house
and.
A
B
The
way
you're
going
to
you're
going
to
run
into
issues
permits
costs
are
gonna,
be
more.
You
may
have
increased
construction
costs
in
the
Oakland
firestorm
from
the
time
they
actually
started
writing
as
soon
as
it
wasn't
in
some
instances,
until
two
years
later
that
the
home
was
starting
construction.
B
Well,
hopefully,
you
know
you've
you've
put
together
a
well-documented,
detailed
scope
of
repair
when
I
suggested.
You
know,
there's
different
ways
to
approach
a
claim
when
you
hire
public
adjuster
leases.
What
I
do
is
I
methodically
go
through
and
analyze
the
building
I
meet
with
the
insurance
company
adjuster
who's,
the
contractor
you
want
to
bring
out.
Is
it
someone
that
I
know
that
I've
worked
with
before?
Sometimes
it's
just
getting
the
right
players,
you
want
to
put
together
a
proper
plan.
You
want
to
get
an
engineer
on
board
right
away.
B
You
want
to
get
a
soils
engineer
you
want
to
address
any
foundation.
Issues
is
the
foundation
up
to
code,
and
then
you
want
to
put
together
a
well
detailed,
documented
scope
and
repair.
You
want
to
include
your
interior
design
fees
if
you
had
an
interior
designer
your
architecture,
fees,
everything
that
encompasses
what
the
construction
costs
are
going
to
be.
B
You
outline
whether
it
be
an
Xactimate
or
in
a
detailed
bid
schedule
provided
by
the
architect,
and
that
way
you
shouldn't
have
as
many
issues,
because
the
insurance
company
has
to
bid
off
of
the
same
document
that
you
want.
Your
contractor
to
bid
off
of
and
if
you're
proactive,
if
you're
proactive
with
the
insurance
company
and
you're
getting
them
involved
in
the
process.
You
know
we
want
to
use
the
set
of
plans.
This
bid
specification
package
and,
by
the
way,
we're
going
to
get
sub
bids.
Do
you
have
a
problem
with
that?
Mr.
insurance
company?
B
You
know
this
is
a
touchy
situation,
because
contractors
aren't
licensed
to
be
public
adjusters,
but
the
truth
is
they
are
involved
in
the
process.
I
think
you're
going
to
have
your
contractor
bidding
the
scope
of
repair
I.
Think
the
question
is:
what
is
that
scope
of
repair?
How
does
the
policy
respond
to
it?
So,
for
example,
the
scope
of
repair
calls
for
the
cost
to
rebuild
the
home.
Does
that
include
interior
design
fees?
Well,
did
I,
have
an
interior
designer
worked
on
my
home
or
not?
B
If
you
didn't
have
one
in
the
past,
and
the
insurance
company
could
argue
right
for
so,
it
shouldn't
be
included
in
the
scope
of
repair
but
you're
going
to
need
a
general
contractor
to
provide
you
with
the
appropriate
pricing
and
you've
got
to
put
together
that
scope
of
repair
and
that's
what
we
do.
We
put
that
scope
of
repair
together
for
those
that
don't
have
a
public
adjuster.
B
A
Was
mentioning
to
Ken
about
the
situation
with
some
people
having
some
cracks
that
weren't
there
before
and
that
they're
being
a
way
in
which
the
the
blast
was
a
little
like
an
earthquake
and
there
being
some
disputes
going
on
between
people
and
their
insurers
over
whether
the
damage
was
caused
by
the
blast
or
pre-existing.
So
I
mentioned
that
to
Ken.
B
A
Yeah,
you
know
what,
if
you
wouldn't
mind,
holding
your
question
until
the
yeah:
ok,
Kenny's,
not
going
away,
so
I
will
bring
up
Michael
again
Michael
McCutchen,
with
McCutchen
construction,
and
actually
we
go
way
back
as
well.
The
United
policyholders
was
founded
right
around
the
Oakland
fire
in
1991,
so
Mike
was
one
of
the
contractors
at
that
time
who
worked
with
a
lot
of
the
families
very
familiar
with
all
the
issues
were
discussing.
C
So
you
what
you,
where
we
kept
saying
earlier
and
today
that
you
need
to
have
these
as
built
plans
for
exactly
what
you
had
and
you
keep
wondering.
Why
do
they
need
that
I
can
tell
him
I
had
walls,
I
had
floors.
I
well
it's
because
in
our
industry
see
those
motions,
I
did
the
hand
motion.
That's
not
how
we
estimate
we
I
mean
that's.
We
estimate
off
of
plants
and
subcontractors
in
particular
and
suppliers.
They
estimate
off
of
plans.
So
that's
why
that's
necessary.
C
C
Well
so
yeah
the
first
thing
that
typically
you
want
to
deal
with
in
any
dispute
over
the
value
of
anything,
whether
actually
it's
a
fire
loss
or
it
could
be
as
simple
as
why
are
two
contractors
not
agreeing
on
the
cost
to
remodel
my
kitchen.
The
first
thing
to
look
at
is,
is
you
could
say
the
quantities
and
then
these
other
things
like
the
repair
methods
of
material
quantities.
I
want
to
talk
about
it
for
a
sec
I.
C
Remember
years
ago,
I
got
two
bids
from
reputable
subcontractor
see
you
might
think
that
as
a
general
contractor
I'm
not
very
involved,
maybe
in
a
whole
lot
of
bidding.
What's
the
exact
opposite,
because
imagine
we're
like
the
we're
like
the
conductor,
we
get
hundreds
and
probably
thousands
of
bids
every
year
from
various
suppliers
and
subs
we're
used
to
it
and
they
never
agree.
It's
even
difficult
for
us.
I
remember
a
job
where
we
had
to
stucco
bids
same
exact
job
and
they
were
wildly
different.
C
C
Do
it
to
my
satisfaction,
I'm
going
to
do
a
first
coat
to
smooth
the
walls,
then
I'm
going
to
do
the
to
coat
job,
so
I
asked
the
owner
I
said:
can
you
handle
a
little
waviness,
or
do
you
want
to
spend
the
extra
to
have
it
totally
flat
and
that
owner
said
a
little?
Waviness
won't
bother
me,
but
what
I'm
saying
is
even
for
me
it's
hard
to
compare
without
talking
to
the
subs
and
really
finding
out
reputable
people
in
the
industry
aren't
making
stuff
up
the
reasons
why
prices
vary.
C
Okay
and
you
you
have
to
do
a
little
research
and
that's
where
somebody
like
ken
is
useful.
You
just
heard
that
comedy
made
about
the
cracks
in
the
concrete
I
didn't
even
know
to
do
that.
How
many
of
you
know
to
do
that?
That's
the
benefit
of
having
the
experience
people.
I
don't
know
you
can
we'll
know
a
lot
more
about
this
than
me,
but
I
know
in
the
Oakland
fire.
We
often
got
dual
finishes.
We
got
carpet
over
hardwood
or
we
got
wood
paneling
over
drywall
or
plaster.
We
were
able
to
get
dual
finish.
B
It's
always
good
dad.
Oh
sorry,
it's
always
good
to
have
a
feedback.
Question
I'm
sure
we'll
do
that
afterwards,
but
you're
entitled
to
carpet
and
pad
if
you
had
it
over
hardwood
floors.
What
you're
not
entitled
to
is
the
cost
to
sand
and
refinish
the
floors,
because
but
you're
entitled
to
the
costs
of
sand
and
seal,
just
not
the
refinishing,
because
the
minute
you
put
carpet
and
pad
and
you
tacked
it
down
to
the
floors
you
automatically
would
have
to
refinish.
B
C
Multiply
that
very
detailed
example,
I
just
gave
you
buy
a
thousand
items,
maybe
something
like
that
in
a
typical
loss,
that's
probably
even
before
you
get
to
contents,
but
maybe
it
includes
contents.
I
mean
what
kind
of
belt
buckles
did
you
have.
This
is
why
they
have
an
industry
of
people
who
help
us
go
on
well,
the
insurance
industry
uses
Xactimate,
which
is
the
main
benefit
of
it.
If
you
have
a
partial
loss,
they
do
room-by-room
estimates,
so
it
may
I
think
that's
a
it's
actually
a
wonderful
tool.
C
Exactly
mates
tried
to
break
into
the
general
construction
industry
with
very
limited
success.
Most
contractors
do
not
use
Xactimate,
most
contractors
figure
out
their
costs
of
labor
by
the
number
of
hours
and
that
kind
of
stuff,
and
then
they
they
include
sub
and
supplier
bids
in
detail.
That's
how
we
actually
estimate.
So,
in
other
words,
we
don't
as
a
general
contractor
when
you
say
plumbing,
we
don't
typically
go
in
and
say
three
hose
bibs.
You
might
not.
That
means
the
faucet
on
the
outside
three
hose
bibbs
at
one
hundred
and
fifty
seven
dollars
each.
C
We
don't
usually
do
that.
We
say
plumbing
package
from
so-and-so
plumbing,
and
then
we
have
three
or
four
plumbing
bids
that
are
based
on
these
plans.
We
have
that
show
how
many
hoes
outlets
there,
how
many
hose
bibbs
you
follow,
and
then
we
put
a
number
in
and
then
we
apply
a
fee.
So
we
use
sub
it's
supplier
bids
for
things
like
carpet
windows,
doors.
C
Hardware,
all
those
things
is
a
tile
there's
a
million
things
we
have
to
put
together
and
then
we
have
labor,
that's
demolition
carpentry,
you
know
dry,
while
all
this
stuff,
that's
labor,
so
that
we
assemble
all
that
together.
That's
a
little
different,
exact
mates.
More
like
150
for
lineal
feet
of
baseboard
at
eighty-seven
cents.
That's
kind
of
an
Xactimate
is
a
different
way.
It's
a
unit
cost
method,
it's
not
invalid,
but
the
biggest
problem
around
here
is
that
their
their
adjustments
for
san
francisco
area
typically
are
not
accurate.
C
Maybe
you
can,
but
a
lot
of
the
tile
I'd
put
in
the
tile
itself
costs
twenty
dollars.
So
how
can
you
put
that
in
for
negative
five
dollars?
It's
not
generally
going
to
happen.
No,
you
don't
have
to
do
it
in
Xactimate
and
Xactimate
will
give
trade
summary.
So
we
can
look
at
Xactimate
and
translate
it
over
to
what
the
rest
of
us
are
doing.
So
it's
not
an
impossible
situation.
Construction
supervision
is
the
non
physical
labor
work
that
the
contractor
has
to
provide
to
get
the
job
done.
C
B
I
was
going
to
comment
two
things:
I
want
I
want
to
just
go
back
to
what
Michael
shared,
and
this
is
really
important
for
you
guys,
because
I
suspect
you've
either
got
numbers
from
your
insurance
company
or
you're
fighting
with
them.
Now,
because
you've
got
contractors
are
much
higher,
Michael
brought
up,
something
is
called
a
contractor's
worksheet
and
what
xactimate
can
do,
which
you
can
give
to
your
general
contractor?
If
the?
B
If
the
scope
is
valid
from
the
insurance
company,
you
can
give
what's
called
a
contractor's,
worksheet
will
will
break
out
the
linear
footage
of
cabinetry
of
uppers.
A
linear
footage
of
lower
cabinetry
will
break
out.
The
tile
will
break
out
the
amount
of
linear
footage
of
baseboard
to
paint
of
openings
to
paint.
So
what
you
can
do
is
you
could
give
it
to
your
general
contractor,
and
he
can
then
give
it
to
the
subs
and
that's
one
way
of
trying
to
work
with
the
insurance
company
before
our
supervision.
B
I
mean
we've
been
we
go
around
and
around
it.
I.
Don't
know
why
the
insurance
company
has
this
mist
belief
that
overhead
includes
supervision.
It
doesn't,
and
typically,
if
you
go
to
any
custom
builder
they're,
going
to
break
out
their
supervision,
they're
going
to
break
out
their
overhead
may
be
lower,
but
they'll
have
in
numbers
for
insurance
liability
daily,
cleanup
final
cleanup
supervision,
project
manager,
their
overhead
and
profit
percentages
may
be
different,
but
supervision
is
not
part
of
overhead,
it
should
be
paid
and
on
a
large
job
at
the
Santa
Barbara
loss.
B
C
Again
can
might
have
a
better
understanding
of
this
than
me,
but
I
I
have
the
opinion
that
you
actually
only
owe
the
insurance
company
one
estimate
from
a
general
contractor.
You
can
get
as
many
you
can
talk
people
into,
but
I
could
also
say,
though,
one
of
the
keys
to
making
the
general
contractor's
estimate
if
you
should
like
to
get
only
one
representing
you,
is
that
they
will
have
to
have
multiple
sub
and
supplier
bids
from
reputable
local
people.
C
So
in
other
words,
if
they
have
a
range
of
bids
for
the
drywall
work,
it
shows
that
they're
not
just
making
stuff
up
and
then
if
they
can
negotiate
a
reasonable
set
of
fees.
You
know
the
contractors
take
all
their
costs
and
they
add
something-
I
would
say
at
least
ten
percent-
fifteen
percent
twenty
percent-
something
like
that.
So
they
add
that's
the
contractor
fee
and
then
they
probably
have
supervision,
maybe
some
insurance
and
other
things
that
they
add
on
right
over
the
cost.
C
B
Got
and
and
you've
got-
and
let's
assume
your
contractors
here,
they're
down
here
and
and
maybe
it's
not
scope
issues.
Maybe
it's
strictly
price
and
I
think
that
you've
got
to
at
least
put
the
insurance
companies
contractor
to
task
ask
them
for
sub
it.
I've
always
liked
Mike's
approach,
and
that
is
you
know
what
gets
up
its
get
legitimate
sub.
It's
because
a
lot
of
times
the
fiery
construction
contractors
for
the
insurance
companies.
They
don't
have
a
chance
for
a
job.
They
know
it
they're.
Just
writing
an
estimate
using
Xactimate.
B
C
C
Well,
not
only
can
your
contractor
work
with
the
public
adjuster,
they
must
work
with
the
public
adjuster,
but
the
public
adjusters
typically
also
have
their
own
people
they
can
bring
in.
If
you
don't
have
a
contractor,
they
may
in
many
cases,
have
their
own
internal
ability
to
do
certainly
Xactimate
as
to,
but
they
they
they
know.
Contractors
or
I
can
yeah.
B
B
To
back
it
up
in
regards
what
we
do
is
a
lot
of
times,
we're
insured
has
their
own
general
contractor,
but
can't
write
an
exact
amaechi
even
with
Michael
is
we
have
people
internally?
You
can
write
Xactimate
and
we'll
work
together
with
the
general
contractor
in
getting
in
tailoring
that
Xactimate
scope
so
that
they
can
use
it
for
estimating
purposes
I.
C
Just
want
to
say
one
last
thing
is
when
you
have
that
dispute.
That
was
a
slide
about
ten
slides
ago.
The
first
thing
to
argue
about
is
the
scope
of
work.
Look
in
great
detail
with
it.
Was
it
a
hundred
and
twenty
three
feet
of
baseboard
or
154
feet
of
baseboard?
That's
the
easiest
thing
to
bargain
start
with
that
and
then
work
your
way
to
cost
thanks
yeah.
A
Thank
you
so
much
Michael
in
Cannon
and
before
we
get
to
the
questions.
I
I
just
want
to
bring
it
back
to
something
that
we
talked
about
at
the
beginning
of
this
workshop,
which
is
where
do
I
go.
If
there's
a
dispute,
how
do
we
resolve
it,
and
we
were
talking?
I
was
talking
about
how
so
often
people
go
off
track
within
their
negotiations,
because
they're
talking
about
apples
to
oranges,
they're
saying
here's,
my
here's,
my
real
living
breathing
contractor's
estimate.
A
This
is
what
this
person
is
going
to
charge
me
to
do
this
work
and
the
insurance
company
has
come
in
with
this
computer
estimate
and
the
adjusters
marching
orders
just
to
go
on
that,
and
they
don't
look.
They
can't
be
compared
because
they're
they're,
not
the
quantities,
are
different,
the
qualities
so
the.
A
If
you're,
trying
to
be
your
own
best
advocate
and
you're
trying
to
get
on
the
right
track,
then
the
best
thing
that
you
can
do
is
try
to
iron
out
the
areas
of
difference
between
you
and
the
insurance
company
and
it's
very
hard
to
figure
that
out.
If
you
don't
have,
if
you're
not
working
off
the
same
scope,
so
if
you
can
get
a
really
good
scope,
a
really
good
document,
whether
you
pay
somebody
to
do
it
or
you
have
a
adjuster
that
does
it
or
you
get
somebody
like
Michael
who's
willing
to
do
it.
A
If
you
can
get
the
insurance
company
to
agree.
Okay,
we
may
not
agree
on
all
the
prices,
but
at
least
we're
agreeing
that
this
is
how
much
paint
this
is.
How
much
would
this
is
how
you
know
how
much
how
much
chil
we
need.
Then
it's
easier
to
resolve
the
differences,
because
until
you
know
what
is
causing
this
dollar
discrepancy
it's
very
hard
to
get
to
closure,
and
then
I
want
to
mention
a
couple
resources
that
we
offer
on
dispute
resolution.
A
A
From
the
last
workshop,
we
did
on
insurance,
where
we
had
a
couple
that
came
up
from
San
Diego
and
they
spoke,
and
they
said
you
know
they
didn't.
They
recommend
against
hiring
a
public,
adjuster
and
I
want
to
explain
why
they
said
it
and
explain
why
that
is
not
generally
our
view,
our
view
we
present
a
menu
because
everybody
is
different.
Okay,
those
people
were
underinsured,
they
were
very
underinsured
and
they
did
the
math
and
thought
okay.
A
If
we
hire
a
PA
we're
already
short
on
what
we
need,
then
we're
going
to
be
even
more
short,
I.
Don't
think
any
of
you
are
in
that
scenario
here
for
a
lot
of
reasons.
You've
got
PG&E
in
the
background
to
help
cover
and
there's
a
lot
of
there's
other
sources
for
you
of
funding.
So
I
don't.
I
don't
think
that
math
applies
here,
but
you
need
to
do
your
own
math.
You
know
you
need
to
figure
out.
Okay.
Where
am
I
do?
I
need
professional
help?
Can
I
do
this
on
my
own
and
I?
D
B
Sometimes
your
if
you've
got
an
architect
well,
the
scope
of
repair
is
real,
really
important.
Now
whether
you're
capable
putting
that
together,
yourself
or
I-
think
before
even
doing
the
scope.
Sometimes,
if
you're
working
with
an
architect,
they
can
provide,
what's
called
a
bid
specification
package
which
talks
about
example,
I
understand
these
are
not
custom
custom
homes,
but
a
lot
of
the
homes
they
may
have
read.
Would
they
may
have
clear
heart
red
wood,
siding?
B
You
know,
that's
important,
there's
a
tremendous
difference
between
fur
and
clear
heart,
redwood,
and
that's
what
you're
entitled
to
have,
and
so
a
bit
specification
package
will
talk
about
the
type
of
doors,
what
size
doors.
What
kind
of
hardware
was
on
it,
the
more
detailed,
the
greater
the
dollars
will
be,
and
that
way
at
least
the
insurance
company
is
bidding
offer
the
same
document
that
your
general
contractor
is
going
to
be
bidding
off
of.
So
we.
B
Specification
package
can
be
a
detailed
scope
of
repair
there's
different
ways
to
do
it.
Obviously,
the
detailed
scope
of
repair
that
the
insurance
company
puts
together
or
that
we
would
put
together
comes
off
of
the
plans,
would
existed
the
bid
specification
package
or
going
to
another
home,
that's
already
existing
and
doing
a
take
off
of
that
entire
home
and
then
interviewing
the
insured
and
sitting
down
when
I'm
in
recreating
all
the
upgrades
that
they
did.
You
know
it's.
It's
I
want.
C
To
have
any
process
I,
don't
what
is,
can
I
just
throw
in
one
thing
before
we
lose
it,
which
is
that
the
construct
settlement
is
doubly
or
even
trip,
Lee
critical,
because
many
of
the
other
adjustments
are
based
on
that.
So,
in
other
words,
percentages
of
construction
would
would
limit
the
I
think
contents
is
often
what
seventy
percent
or
fifty
percent
landscape,
ten
percent
demo,
ten
percent
etc.
So
if
you
don't
get
a
good
construction
claim,
you
might
be
limited
in
other
areas.
So.
A
I
I'm,
so
sorry
I
don't
want
to
cut
off
discussion,
but
we
have
to
be.
We
have
to
be
on
time
for
our
last
workshop.
So
can
I
ask
our
speakers
if
you're
willing
to
chat
with
people
out
in
the
hall
okay.
So
if
you
have
questions
that
didn't
get
answered,
and
could
you
ask
our
speakers
out
in
the
hallway
and
yeah.
D
When
we
settled
the
Oakland
Hills
fire
Mike,
it's
good
to
see
you
again.
One
of
the
important
things
is
to
come
up
with
your
quantities.
How
many
board
feet
of
red
would
do
you
need
how
many
board
feet
of
plywood
you
need
once
you
have
the
quantity
settled
folks,
then
the
insurance
company
has
got
to
pay
attention
to
what's
going
on
there,
because
that's
what
it
takes
to
build
the
house
and
that's
how
you
can
get
the
insurance
companies
to
play
off.
Mike
and
I
can
remember.
D
A
A
There's
nothing
like
great
advocate
on
your
side
right
right,
gentlemen,
perfect
closing
for
our
session.
If
you
didn't,
we
have,
if
you
didn't
get
a
raffle
ticket,
then
raise
your
hand
and
if
you
didn't
get
a
handout,
let
let
us
know
and
thank
you
again
to
our
panelists
and
if
you
have
questions
that
didn't
get
answered,
feel
free
to
call
her
them
out
in
the
hallway.
Thank
you
so
much.