We did a Scope of Loss thru a higher recommended company. We submitted it to our insurance when the last estimate from their insurance estimator came in $200,000 less than what our SOL said. We have been on the joint phone call with our SOL rep, our insurance claims person and insurance estimator. When our SOL person did the estimate he based the foundation and framing price per sq ft off of an average he was hearing from our San Deigo (Poway) contractors. The insurance estimator is in Temucula, and he only will use his experience and his company to come up with the price per sq ft of both. Their estimator, upon multiple requests to call other San Diego based contractors to back up his estimate, flatly refused. During this call our SOL rep, also asked our insurance claims if he wanted the names and numbers of who he called so he could call them directly. Our insurance claims rep refused saying they believe in their estimator. This is the second estimator insurance has had and the other was from Temucula too, we asked again they pick someone closer, insurance refused. Our question is: Is this "normal" for insurance to pick one "guy" and have his estimate only? I thought insurance would do their own SOL and get multiple bids. HELP!!! We are at a loss... I thought our SOL would convince them, but no such luck....

About The Expert

Amy Bach

Amy Bach has been a professional advocate for insurance policyholders since 1984 and an attorney since 1989. She co-founded United Policyholders in 1991 and serves as the organization's Executive Director and primary spokesperson; shaping and overseeing the Roadmap to Recovery™, Roadmap to Preparedness, and Advocacy and Action programs. She is a nationally recognized expert on insurance claim and legal matters; frequently interviewed in print and broadcast media, and the author of numerous publications including "The Disaster Recovery Handbook", "WISE UP: The Savvy Consumer's Guide to Buying Insurance" and consumer tips and guides in the UP Claim Help Library.  Recognized by Money Magazine as a Money Hero, Bach is in her eighth consecutive term as an official consumer representative to the National Association of Insurance Commissioners, and is a member of the Federal Advisory Committee on Insurance.