Posted on 01/25/2023 8:36:55 AM PST by Salamander
Need help getting this going because State Farm us doing nothing
A public adjuster represents you like an attorney. They are dogs.
After you sign his paperwork you wont deal with the insurance people in anyway till its settled.
Some of the subcontractors can be shady. The one suggested tried to pad my mom’s claim. We got rid of his @ss.
That’s a shame. We had good luck with them.
That is what I went thru when I lived in Louisiana. Good luck.
I was T-boned in a car accident, different state, 400 miles away, over Christmas holiday. No one was hurt, and thankfully they didn’t total my car, which was a 1999 Oldsmobile Cutlass Supreme, gold, with leather interior, sun/moon roof, and gold accents on the trim. I LOVED that car.
Anyway, when the repairs were completed, I had to drive back to the other state to retrieve my car. I asked to be reimbursed for 2 days’ work, plus gas and 4 meals, to make that trip. I stayed with relatives, so didn’t even have any lodging expense, and had 2 “free” meals.
It was State Farm, and they said NO. So I went, in person, to one of their claim offices, with my receipts for gas and meals, and said I was not going to leave until the additional expenses were reimbursed. I said I would gladly call the state insurance commissioner, if this was going to be any problem.
After a couple minutes of waiting while it was discussed by the claim person and office manager, they approved the additional money. IIRC, it was under $300, and seemed like a small price to keep from having complaints filed.
The only good thing about that whole experience was that the loaner car I had for about 6 weeks was a Bonneville, which was very nice. But it was a bit wider than I was used to, and I knocked off one of the sideview mirrors, backing out of the garage, and had to pay for the mirror to be replaced out of pocket.
I wonder if Habitat for Humanity could help out rebuilding Salamander's home?
My adjuster (#2) is on vacation until February.
Her underling is supposed to check her messages and return calls.
So far nothing.
I’m fine with bringing in people SF hates.
The contractor service man said 9-12 months repair time was “crazy”.
I agree.
They can slap up a 40 acre Amazon warehouse in a month.
I need 3 rooms fixed.
You bet I will.
I’m not sure. May be worth a shot.
The PA I have talked to IS a lawyer.
As soon as the pitiful cleanup crew gets it all done I’m gonna hire him to take over.
He is savage.
No action to get the state AG involved. The correct thing to do is contact the state insurance commission in writing with a CC to the insurance company.
I hope the fire loss homeowner has read the letter of her insurance policy. It’s a contract. If the insurance company is in violation of the contract then they have a big liability there. If the homeowner is expecting something not covered in the contract, expect the insurance company to follow the letter of the contract period.
The $$$ of a fire loss usually exceeds the limit of a small claims court action. If so, the only option is to get a lawyer. $$$ probably involved unless a contingency fee is an option. All communications at this point should be in writing. Period. If there is a verbal communication, it should be followed up with a letter documenting the subjects, commitments, etc.
I’m notta lawyer or insurance pro so this can be taken for what it’s worth.
Good luck.
The guy I’m talking to interviews about 130 contractors, weeds them down to the 3 or 4 he feels are the best fit for my particular needs and then oversees every single thing they do and disciplines them if they step over the line by one toe.
He is thoroughly meticulous and sincere about maintaining the integrity of the job and the crew.
I won’t have to worry or do a thing unless I see anything I’m not thrilled about.
Considering my ignorance of the cutthroat construction world, I think I need a St Michael type watching over me.
( and his name is Mike so there ya go)
He is doing EVERYTHING from start to finish for a surprisingly low $5400.
Still stupidly waiting for my SF adjuster #3 to feel the mood to return my calls.
contact your local red cross about housing...
They were epic 6 years ago when the old lady plowed into the back of my car.
Apparently things have drastically changed since those halcyon days.
:-/
It’s good you have Mike.
I have been here..
First, find a place to live.
Check with your company to see if they know of a place where they put up contractors and long term guests.
If , look into the yellow pages to find furnished short term apartments.
When you find one, TELL the insurance company where you will be staying, and let them know that they are picking up the tab.
Second, get a restoration company, like Servpro, to come in and estimate the cost for restoration. They are licensed, bonded and insured. They don’t want you to save them money ( I know this sounds stupid, but it’s true). Give the estimate to the insurance company. Tell them that this is contingent upon the discovery of hidden damages (and you WILL find them).
Third, assume the role of project manager. Keep track of every dime and minute spent on this project. Use Excel or some other program.
And last, as project manager you get to lose your mind on people only once. Choose wisely.
Good luck.
What if the insurance adjuster you want to hire IS a lawyer, too?
I will have Mike if I can come up with the $1500 downpayment.
Too bad he doesn’t take a box of burned cash.
:(
They have not been able to.
Lots of emotional support though.
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