Скачать или смотреть Understanding Insurance Adjustment.

Adjuster = Doctor
Adjustment = Prescription
Contractor = Pharmacist

Contractors must do everything on the adjustment in order for the insurance company to reals the deprecation.

Insureds are always responsible to pay they deductible.
Insured who decide to do their own work instead of hiring a contractor can create a lot of work for themselves and set themselves up for an additional claim for a few reasons:

1. Insurance pays skilled labor differently than non skilled labor. You may be very handy but if roofing is not your daily profession you will not be paid the same as a roofer.

2. Roofing is more complex than you may think. A mistake here is setting you up for another claim.

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