Let’s face it; the property damage insurance claim environment has become increasingly adversarial in recent years. There is plenty of blame to go around. Some adjusters are too heavy-handed in adjusting and some restorers are too heavy-handed in billing. Insurers who routinely chop 25% off every restoration invoice as a matter of course cannot reasonably expect restorers not to invoice in a way that leaves them some room to bargain. The two sides intensify their efforts against one another, inexorably worsening the situation as the vicious circle grows, to the detriment of all involved, particularly the policyholder.

A “vicious cycle” is defined as “a sequence of reciprocal cause and effect in which two or more elements intensify and aggravate each other, leading inexorably to a worsening of the situation.”