State Farm HO-6 Claim (Chicago): ServiceMaster coded $10k structural cleaning under Contents can adjuster reclassify to Coverage A Building Coverage?
Hey everyone! We had a smoke loss incident in our Chicago condo building that affected our unit, and ServiceMaster came in to clean the space they said they will send bill to Insruance directly. This is our 1st time dealing with Insurance.
Servicemaster never sent us an estimate beforehand, and looking at their invoice now, 10k for wiping down all coded under CONT: (Contents). There is no line items for ceilings, walls , floors and cabinet cleaning, unless they billed seperate for it which I dont know yet! Is this typical practice?.
I feel like cleaning ourselves or some 3rd party or even just replacing would have been cheaper and we should have asked them with estimates before letting them in! Learning from 1st time experience!!
Plus they left half of job undone and we called to call adjustor to call them back in to clean..
Is it routine for a State Farm desk adjuster to shift that structural labor over to Building (Coverage A) so it doesn't eat into our personal peoperty contents limit which is 20k, and how do adjusters usually handle partial ALE food per-diems when you're without a fridge for a few weeks? Thanks!