I keep running into adjusters stating that their company policy (not insured property insurance policy) states which line items they can approve on xactimate. Now, I know I am not bound to their company policy and my company’s policy states using the properly described line item. Things like starter actual starter strip and not using shingles. Actually detaching the AC unit and not lifting it. Actual ridge cap and not cutting shingles, etc.
How are others overcoming this? I don’t want to demand desk appraisal on every damn claim to settle this nonsense. Doesn’t this violate regulation on insurance price fixing?
Thank you in advance.