After the fire, the Brewers just wanted to rebuild their home the way it had been,
but they faced several major challenges. Although the Brewers did not have the original
blueprints, they were able to work from an original floor plan that their realtor had in
her possession. They also discovered that due to changes in building codes, they would
need to make some improvements and changes to the original construction. This
substantially increased the costs of the rebuilding.
Once the actual numbers for rebuilding started coming in, the Brewers realized that
they were underinsured – despite their increased limits.
At first, the Brewers went back to the insurance company and tried to negotiate their
claim themselves, but soon realized they needed help. Using referrals from several local
fire victim help groups for Public Insurance Claims Adjusters, they contacted Ron Reitz
of Quality Claims Management. After meeting and discussing their situation, the Brewers
engaged Quality Claims to create a detailed scope of loss for them.
Ron and his team came in with a special computer program that enabled them to go room
by room through the house and compared the true costs of rebuilding to the insurance
company’s estimate. By using this data, Ron and his team developed a detailed and
comprehensive “Scope of Loss” document that proved that the Brewers were justified
in receiving more money for rebuilding than was originally offered by the Insurance
Ron took over the negotiations with the insurance company, thus freeing Robert
and his wife to deal with the other monumental challenges of rebuilding their lives,
including making a living.
Over the next few months, Ron handled the various back and forth negotiations
with the insurance company and was able to successfully obtain the full amount of
money needed for the Brewers to rebuild their home. Ron was able to get the Brewers
almost $200,000 more than they had originally been offered.
“Ron was great,” said Robert Brewer. “He and his team were very professional
and efficient, had all the tools and knew just what needed to be done.”
“We were overwhelmed by all the other aspects of our home and possessions being
destroyed by fire and we didn’t want to lose sleep trying to negotiate with the
insurance company,” added Man-Ling. “We were able to let Ron and his team take
over and they delivered.”
In January 2009, Man-Ling and Robert Brewer completed the rebuilding of their
home and are now living in their rebuilt home. “Thank you, Quality Claims Management.”
In January 2009, the rebuilding of their Rancho Bernardo home was completed
and Robert and Man-Ling Brewer were able to move back in.