Posted On: April 17, 2007, 3:31 pm CDT

Posted By: David

What business does a GC have in a claim involving one or two trades? None, if the homeowner can't figure out which trade should come first on a two person trade then they can pay the GC out of pocket. The main reason a GC is required is to handle larger losses more efficiently and to make sure the repairs are done in the proper manner. Most GC actually do no work on the structure themselves.
All estimating systems I've been a part of have built in labor components along with base service charges. Now, if the repairs are such, then some base service charges can and should be turned off. All labor components have tear down/set up time along with routine breaks. They also figure in material wastage and supplies. None of these are controlled by the insurance companies. The insurance companies don't want any control over these items. They just want a fair and accurate estimating product for the respective territories to settle claims in an appropriate manner. Now, like in most areas, every proffession has their bad apples and insurance adjusters are just another category.