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I was recently asked to provide consultation on a couple of workers compensation claims where home modifications were required. With the first one, the insurance company decided they wanted to stay away from contracting and instead wanted to determine a reasonable cost, pay the insured directly and allow them to hire a contractor to modify the home.

On the second file the insured decided they would prefer to have the check written to them and then be allowed to “shop around” for a contractor.

With the first, the settlement was instigated by the company. With the second, settlement was instigated by

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Settling With the Insured On home Mods:

Is it a good thing?

the insured. Although the desired result might seem the same, the motivation couldn’t be farther apart. When settling on home modifications, the desired result and the end result are seldom the same.

When an insurer requests a settlement, they usually believe they can save money. When an insured request a settlement, it is usually because they believe they can pocket money.

Regardless of the motivation , there are a few very important things to consider before you write that check;