Auto Insurance Claims: Hail damage, hail damage, cat loss

Question
Jane,

Read your article on the hail damage. You should have suggested that Spacey (?) hire an independent appraisal company to write another estimate and submit that if it is substantially higher than her CAT loss estimate.

She might have to pay for it, but all Insurance companies allow a second opinion if you're unhappy with their initial appraisal or Total Loss offer.

Jim Konicki

Answer
 Hello Jim,

Appreciate your response but you and I will have to agree to differ on this one.  I would never recommend an independent appraisal company.

Allow a second opinion?  Perhaps in an arbitration setting.  My experience does not bear out your thoughts.  But thanks for reading and for your input.

Jane Pytel