3RSystems, LLC – ADVANCED INSURED PROPERTY OWNER INSURANCE CLAIM HELP

The one problem that all of the AI, CRM's, and API in the world can never solve, is this...

The Crux of the Problem

“Despite the platitudes expressed by insurance companies in advertisements, where they brand themselves “the good hands people” or “a good neighbor,” they have one and only one purpose – to make as much money as possible. The way insurance companies make money is simple, by paying either nothing or as little as possible on any claim. What is fair or right is of no consequence.” Scott Dinsmore, APC (CA).

How do P&C insurance companies achieve the above goal?

The primary tool that P&C insurance companies mandate their directly employed and third party employed insurance adjusters who want to remain employed use to falsely underpay or flat out deny insured property owners legitimate property damage claims are two particular repair estimating programs that are often referred to by the P&C insurance industry as "the industry standards". Those two programs may indeed be the P&C insurance industry standards but they are not, by any means, the construction industry standard for professional restoration contractors whose goal and desire is to make sure that their insured commercial and residential property owner customers damage claims are fairly and fully paid at real, true, and accurate (RTA) free market pricing.

In spite of the clear evidence however, showing that there is ultimately no real advantage to restoration contractors in using either of the P&C insurance industry preferred "industry standard" repair estimating programs to price the cost of their insured customers repairs, far too many of them still falsely believe that discontinuing the use of either program might put them at a disadvantage. At least that was their thinking until, through this website, social media, and elsewhere, the real story has started coming out.

P&C insurance "industry standard" repair estimating program history

Around 2005, the P&C insurance industry introduced to restoration contractors what eventually became the number one damage repair estimating program called Xactimate which they then promoted to restoration contractors as the "industry standard". The hype behind the promotion was that, in paying for then using the P&C insurance industry produced, commissioned, and controlled Xactimate program to estimate the cost of their insured customers damage repairs, restoration contractors would be able to more accurately price their insured customers repair work.

Unfortunately however, as is pointed out in the "Weaponizing Xactimate" article accessible through the PDF link below, historically, in case after case, insurance company repair estimates generated using Xactimate software have come in 30% to 50% below actual construction costs for residential losses, and sometimes even higher for commercial properties.

"Weaponizing Xactimate: The Insurance Industry's Dirty Secret"

Next in line to Xactimate is the second most P&C insurance industry preferred and mandated insurance adjuster repair estimating program known as Symbility/Cotality. While not used by restoration contractors to the same extent as Xactimate, the results are not dissimilar when compared to the "less than" final repair pricing achieved by restoration contractors who still use Xactimate.

Every year, as a result of the above and a lack of advanced restoration contractor insurance claims recovery process training, billions of dollars-worth of insurance claim payments are never made to insured property owners to fully cover the cost of their damage repairs, billions of dollars are then never paid to the restoration contractors with which to complete the repairs, billions of dollars-worth of needed roofing, siding, and related building products are never ordered from the contractors building product distributors, and the public and private investors in those building product distribution companies never achieve real, true, and maximum ROI.

The repeatedly proven solution to the problem?

(click on the graph to enlarge)

The only restoration contractor training available today that teaches the insurance covered restoration contracting process from the forty plus years of combined retail & restoration construction industry experience, insurance & investment industry advisory experience, and winning Pro Se legal experience perspectives of its creator.

The 3RStimax© graph shown above clearly illustrates the dramatic difference in pricing between the P&C insurance adjuster mandated "industry standard" estimating programs mentioned previously and 3RSystems, LLC's repeatedly proven superior 3RStimax© restoration contractor repair estimating program. Compare the clear difference shown in the graph between the Insurance company claim “final” offer(s)" shown in the far left column ($72,500) and the actual “Total claim recovery with 3RStimax©” ($270,214) total payments shown in the column to the right - which were all approved at the substantially higher real, true, and accurate (RTA) free market pricing shown. Just as important is the fact that all of the 3RStimax© claims totals shown were approved without additional time consuming and expensive outside help. Also note on the right side of the graph the difference in how the GC O&P was paid on the claim shown.

NOTE TO ALL VISITORS

In 2011, apparently so threatened by the competition after seeing the tremendous final per job pricing improvements that 3RSystems, LLC trained restoration contractors from across the country were achieving after dumping the so-called "industry standard" repair estimating programs and replacing them with 3RStimax©, Xactimate's parent company Verisk/ISO, Inc. attempted to, but failed to have the program shut down. After having failed miserably in their attempt to intimidate 3RSystems, LLC into doing so, Verisk/ISO, Inc. was never heard from again.

Xactimate & Symbility/Cotality Vs 3RStimax© - Compare and Contrast

The "low" average annual subscription cost to restoration contractors who still adhere to the unfounded belief that P&C insurance industry adjuster mandated Xactimate or Symbility/Cotality repair estimating programs offer some advantage to them is $1,800. In contrast, the one time per restoration contractor individually ordered cost to purchase 3RStimax© is, at $1,295, over five hundred dollars less. Plus, unlike Xactimate or Symbility/Cotality, which are only estimating programs and nothing more, with their order of 3RStimax©, for just one dollar more, pro restoration contractors will also receive all of the comprehensive advanced and proven insurance claims recovery process training presented below.

NOTE TO BUILDING PRODUCT DISTRIBUTORS

When purchased by a building products distributor for distribution to their contractor customer "sales force", the average per contractor customer "sales force" cost for 3RStimax© plus all of the additional proven training materials shown below, will be substantially lower.