An important thing that was missing in a lot of the claims was a representative for the insureds to have fought for them with not only an understanding of the policy but they needed an understanding of the proper scope to complete the repair and restoration of the damages. One thing that has left the Insurance world is the highly trained adjuster who would look for ways to afford coverage. Now there is an ever-growing contentious element in the claims world as if every insured is attempting to defraud the Insurance Carrier. This is not true, most insurers are hesitant to file claims because they do not want their premiums to rise. If you research the Insurance Industry you will find there are more cases of bad faith and breach of contract from the Insurance Carrier in the matter of Insurance Fraud. While keeping in mind most of our work comes from the Insured side of the claims world. We look at the needs of the claim (Structure, Dwelling, Contents, Etc…) and make sure there is a proper and fair settlement set in place based on those needs and the policy agreement/conditions.