This actually happens about 10% of the time and is usually the result of a poorly educated or poorly trained insurance adjuster. There are nationwide reports of insurance agencies being unethical because their profitability bonus is dependent on keeping claims low and hoping you will go away with a simple “no damage”. In any case, if we find damage, we are here with you through the long haul! If we say it’s damaged, it’s damaged! Functional or non-functional, damage is damage and we will produce the documentation required that usually allows for a second opinion look. If that still does not work, (some insurance adjusters pull out the boxing gloves), again, we bring in the big guns for you which can include engineers, appraisers, public adjusters and even property claim attorneys. Home Repair is a proud member of the American PolicyHolder Association (APA), which is a nonprofit 501c4 watchdog organization that promotes integrity, honesty and best practices in the property loss adjustment sector of the insurance industry. The APA promotes best practices with licensing agencies and governing bodies and monitors, identifies and reports on insurance fraud against property owners. The APA also advocates for policyholder benefits and promotes solutions in insurance coverage, the insurance claim process, and the repair and rebuilding process for policyholders in every state.