It might increase no matter what you do. Speak with your insurance agent or broker to find out what are the reasons for premium increases. Ultimately you need to decide if utilizing your insurance company to pay for a covered loss is worth it.
Your insurance company can "non renew" you for any reason. There are other insurance companies to shop for.
Typically, public adjusters only get paid when there is a settlement. We utilize a contingency fee agreement wherein we don't get paid unless the clients claim is paid.
Insurance companies are in business to stay in business. We write our estimates as if you hired a general contractor. Everything that is needed to get the job done right and safely will be in the estimate. I haven't worked on any claim where my client didn't get more money.
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