1. Statute dictates the Policy/Contract.
2. Policy dictates the terms.
3. The actual loss dictates the scope.
4. Xactimate dictates the current pricing.
Insurance carrier “guide lines” are nowhere in the equation, unless we are talking about Unfair Claims Settlement Practices and Prompt Payment of Claims Statutes, and where those “guide lines” were DESIGNED to circumvent the statutes at every turn.
They do this because they can… Just like you can speed.
Both against the law, both done on a regular basis, the former more so than the latter…
Why we are here… teaching you how to use the radar gun, because they certainly are not going to use it on their self.
As always and forever, #ProtectTheInsured