Ice Dam Claims: Defeating the “Maintenance” Denial

Ice Dam Claims: Defeating the “Maintenance” Denial The ice dam didn’t cause the damage. The water intrusion did. That distinction determines whether the claim is paid or quietly reduced. Carriers often try to reframe ice dam losses as maintenance failures: poor insulation, inadequate ventilation, or an aging roof. The goal is to shift the loss […]

The Golden Rule of Claims: If It Isn’t Photographed, It Didn’t Happen

The Golden Rule of Claims: If It Isn’t Photographed, It Didn’t Happen The desk adjuster approving your invoice has never set foot on the property. “Paint a picture for the adjuster” is a restoration cliché for a reason. In modern claims handling, the person approving your invoice is almost always a desk adjuster who never […]

The End of “He Said, She Said”: Why We Scan Every Loss

The End of “He Said, She Said”: Why We Scan Every Loss The most expensive arguments happen after the evidence is gone. The most frustrating disputes in insurance restoration usually happen weeks after demolition is complete. You are standing in a house with bare studs, and the adjuster is reviewing a PDF. Adjuster: “I don’t […]

A New Way to Estimate

A New Way to Estimate At Empire Estimators, we provide an innovative new path forward for restoration companies that need to grow and expand their businesses without a lot of growing pains. We know what these companies are facing, and our experience in the industry has led us to develop the “Empire Style” – and […]