April Newsletter 2025
When a disaster strikes, property owners expect their insurance company to show up, assess the damage fairly, and help them rebuild. That’s the promise—the very reason people pay their premiums year after year. But behind the comforting commercials and glossy brochures is a brutal truth: the insurance industry isn’t built to protect you. It’s built to protect itself.
The Harsh Reality Behind Every Claim
Every day, policyholders are blindsided by low ball offers, ignored emails, and unexplained delays. It’s not a fluke. It’s not a mistake. It’s the strategy.
Insurance companies have one goal: minimize payouts. The fewer dollars they release, the better their bottom line. That means manipulating damage reports, undervaluing repairs, and denying legitimate claims—no matter how catastrophic the loss is.
Adjusters Speak Out
Licensed public adjusters across the country have pulled back the curtain on these practices. Reports get altered. Sections are removed. Repair estimates are deliberately cut. And guess who’s left to cover the difference? You.
Property owners who’ve paid faithfully for years suddenly find themselves facing tens of thousands in out-of-pocket costs—because the report says the damage “wasn’t that bad.” Because the insurer says the claim “doesn’t meet the threshold.” Because they can.
The Myth of a Fair Settlement
Let’s be clear: insurance companies do not exist to pay you fairly. They exist to protect their shareholders, not their policyholders.
The comforting myth that “my insurance company will take care of me” has left countless families devastated when reality hit. After natural disasters, entire neighbourhoods have received laughably inadequate checks that wouldn’t even cover a third of the actual repair costs.
This isn’t negligence, it’s intentional.
Real People. Real Losses. Real Injustice.
We’ve seen families trying to rebuild their lives after fire, flood, and storm damage—only to be stalled and shortchanged by the very companies they thought would help them.
But we’ve also seen what happens when someone steps in to fight back.
At Farrand Claim Consulting, we’ve taken on claim after claim where insurers tried to pull the rug out. We’ve reviewed the same reports they doctored, exposed the omissions, and fought to get our clients the money they were rightfully owed. This isn’t just paperwork, it’s justice.
Don’t Fight This Alone
You shouldn’t have to beg for the coverage you’ve already paid for. You shouldn’t be gaslit into accepting less. And you definitely shouldn’t trust the insurer’s “estimate” without a second opinion.
If you’ve been underpaid, delayed, or ignored, it’s not you. It’s the system.
It’s time to bring in someone who works for you. At Farrand Claim Consulting, we stand on your side—navigating the process, uncovering the truth, and demanding fair compensation for your losses.
Bottom Line
The insurance industry isn't broken. It’s doing exactly what it was designed to do: protect profits.
That’s why you need someone who was built to protect you.
