Farrand Claims Consulting | Maximize Your Insurance Payout

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Your insurance company is competing with you in the "Claim Game."

Think your insurance company is playing for your side? Think again. Insurance adjusters are primarily focused on protecting their company's bottom line, and they know all the tricks in the book to undercut the amount you really deserve.

Here is how the insurance Claim Game works.

A close-up shot of a hand moving a chess piece on a chessboard. The hand is light-skinned and appears to belong to an older person. The chessboard has wooden pieces and a decorative border. Another person is partially visible in the background.

You've been paying into your insurance for years. You're a loyal customer. So, when disaster strikes, you can assume that you'll be compensated fully for the damages incurred, right?
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Wrong.

A woman in a black suit looks at a man who is showing her a tablet. She has a concerned or confused expression and is touching her chin. The man is wearing a black suit and is partially visible from behind. They appear to be in a meeting or interview setting.

Enter the insurance adjuster. The Insurance company’s adjusters work for your insurance company, reviewing and processing claims and determining what customers like you are entitled to in the aftermath of damage.

An Asian man in a blue striped shirt is on the phone, looking stressed and touching his forehead. He's at a desk with a laptop and a coffee cup, likely in an office setting.

Once you've filed a claim, the process starts with an adjuster coming to review the damage in person. This includes taking photos of the damage and interviewing you, the policyholder, about how the damage occurred—and here's the first place where you can be tripped up.

A young man with dark hair, a beard, and glasses is sitting at a desk and appears stressed or frustrated. He is touching his forehead with his hand and looking at a laptop in front of him. The background shows an office environment with plants.

The adjuster will pay special attention to what you say and how you say it, and can use your words against you to justify lowering your payout. But how are you supposed to know the "wrong" things to say?

A person is using a laptop at a wooden table. Their hands are visible typing on the keyboard. The person is wearing a light gray sweater and a blue shirt underneath. A mug is partially visible in the foreground, out of focus. The laptop is open, and the table has a wood grain pattern.

After the interview the claims adjuster may contact local service professionals, in order to get average repair cost estimates for similar damage in your area. The adjuster then uses these estimates and photos of your damage to generate a payout amount for your unique case—an amount which is typically well under the actual cost to repair or replace what you've lost.

Two middle-aged Asian people are looking at documents being held by an unseen person. The man is on the left wearing glasses and a pink shirt, and the woman is next to him wearing a light blue dress and a pearl necklace. They both have concerned or serious expressions. A table and some furniture are visible, as well as a person in a white coat partially in the right foreground.

So why do insurance companies get away with this so often? A number of factors, including perceived loyalty on the part of the policyholder ("I've been a customer for years; they wouldn't cheat me like that") or the simple assumption that the payout amount the insurance offers is the "best they can do."

A close-up shot of a family preparing food together. A young child with patterned clothing uses a wooden spoon to place chopped fruit onto a piece of dough. Adult hands are also involved in the process, and a wooden bowl of fruit is visible on the right. The scene is shot from a slightly high angle on a wooden table.

And just like that, you've lost the claim game. You suffered material (and perhaps emotional) damage, you played by the rules, and you ended up losing money on the whole thing through no fault of your own.

A close-up shot of a person's hand pointing at water damage or mold on a wall. The wall has a mottled appearance with peeling paint or plaster. The floor is made of wood-look planks. A door hinge is visible in the right side of the image, and the person's leg is on the left.

Your insurance company is competing with you in the “Claim Game.”

GET MORE INFORMATION ➝

The agency’s insurance adjuster is not your friend.

Don't make the mistake of assuming that your insurance company has your back. As soon as it's time to pay up, you'll find yourself wishing you had a professional on your side who could go toe-to-toe with the company's adjuster.

‍

The agency’s insurance adjuster is not your friend.

Don’t make the mistake of assuming that your insurance company has your back. As soon as it’s time to pay up, you’ll find yourself wishing you had a professional on your side who could go toe-to-toe with the company’s adjuster.

‍

Farrand champions your interests to maximize your payout.

We work with everyday people who are facing an unfair, uphill battle with insurance companies and their adjusters.
‍
We perform our own audits and reviews of your damage, discuss specific repairs with trusted contractors, and determine a truly fair payout that will cover your repairs, your replacements, and associated costs.
‍
The most important thing we do is defend the payout amount that you deserve. We negotiate with the insurance company on your behalf. We know how the game is played, and we play exclusively for your side.

Farrand champions your interests to maximize your payout.

We work with everyday people who are are facing an unfair, uphill battle with insurance companies and their adjusters.
‍
We perform our own audits and reviews of your damage, discuss specific repairs with trusted contractors, and determine a truly fair payout that will cover your repairs, your replacements, and associated costs.
‍
The most important thing we do is defend the payout amount that you deserve. We negotiate with the insurance company on your behalf. We know how the game is played, and we play exclusively for your side.

Client Reviews

See all Reviews

“Richard, was very professional, caring, and helpful with questions. I would highly recommend him.”

Kathy Bachelor

“Farrand Claim Consulting, Inc. was helpful to us as we navigated our hail damage insurance claim. They advocated for us, were thorough in their repair estimations, and have always answered questions promptly.
We will use them again in the future.”

Catheryn Mages

“Richard was dedicated, savvy, and extraordinarily patient in helping me with my claim. Wesucceeded and I am very grateful for his help.”

Siobhan Ditty

“I had an amazing experience. I did not have to worry about my claim as soon as Richard took over communication with my insurance company. He handled my claim wonderfully, I was able to get all damaged items repaired on the outside of my home and all I had to do was read the final documents and wait for a check. I would highly recommend his services to anyone who needs assistance in the process of a homeowners insurance claim.”

Kim Smekofske

“After my tree fell, my insurance company only wanted to patch the hole. With Farrand Claim Consulting, I was able to get the roof and siding replaced completely and renovated the whole upstairs due to water damage. Highly recommend.”

Valerie Taylor Coykendall

“Our house flooded 3 months after moving in. Farrand Claims Consulting helped us with the entire process. We were really scared not knowing what to except. We are so happy with everything!! Thank you!!!”

Jenny Jacobson

“Richard is the best resource I know to provide representation. It’s pretty simple. Your insurance company wants to pay out as little as possible in your claim and you want your damaged items repaired, replaced, or compensated at their true value. If that doesn’t necessitate the need for professional representation, I don’t know what does. Richard is your advocate.”

Todd Rooker

Farrand Maximizes Your Insurance Claim Payout—Guaranteed.

Farrand Maximizes Your Insurance Claim Payout—Guaranteed.

Start Your Online Appraisal in Minutes

Your insurance company is competing with you in the "Claim Game."

Here is how the insurance Claim Game works.

Your insurance company is competing with you in the “Claim Game.”

The agency’s insurance adjuster is not your friend.

The agency’s insurance adjuster is not your friend.

Farrand champions your interests to maximize your payout.

Farrand champions your interests to maximize your payout.

Client Reviews

Hear from our Founder, Richard Farrand on the Cover Your Assets Podcast.