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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.

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Khadija Gul
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Previous Editions

June Newsletter 2025
Richard Farrand
June 2025
May Newsletter 2025
Richard Farrand
May 2025
March Newsletter 2025
Khadija Gul
March 2025
February Newsletter 2025
Richard Farrand
February 2025
January Newsletter 2025
Richard Farrand
January 2025
December Newsletter 2024
Richard Farrand
December 2024
November Newsletter 2024
Amy Watson
November 2024
October Newsletter 2024
Amy Watson
October 2024
September Newsletter 2024
Richard Farrand
September 2024
August Newsletter 2024
Richard Farrand
August 2024
July Newsletter 2024
Richard Farrand
July 2024
June Newsletter 2024
Richard Farrand
June 2024
May Newsletter 2024
Richard Farrand
May 2024
March Newsletter 2024
March 2024
February Newsletter 2024
February 2024
January Newsletter 2024
United Policy Holders
January 2024
December Newsletter 2023
United Policy Holders
December 2023
November Newsletter 2023
United Policy Holders
November 2023

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