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Anybody know the best way to deal with a homeowners claim adjuster? (Hurricane stuff)
vanity
Posted on 09/03/2011 8:36:34 AM PDT by no gnu taxes
Ok, I guess the best adage is to be nice until that doesn't work.
But my agent keeps telling me, "don't worry, they'll pay." My policy language is very vague and open to a lot of interpretation. Without going into detail, I'm not getting the impression the adjuster will be that accomodating. You know, I'm 51 years old and have never had to file a homeowner's claim before
I sort of feel like the difference between my agent and and the adjuster is like the difference between a military recruiter and the drill sergeant.
Am I wrong?
TOPICS: Society
KEYWORDS: adjuster; homeowners; insurance; insuranceadjuster
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To: no gnu taxes
I will be in this thread in a bit as I am starting this process today.
To: no gnu taxes
You can always hire your own independent adjuster. Normally they are paid a percentage according to how much extra they can get for you from your insurer, so it doesn’t cost you anything up front.
3
posted on
09/03/2011 8:43:09 AM PDT
by
smokingfrog
( sleep with one eye open ( <o> ---)
To: no gnu taxes
I think you are right! I was in a foul mood this past week because I was dealing with my husband's doctor, Walgreens and the insurance company. I finally was able to get his prescription for insulin raised (and paid for by insurance) but it left me spoiling for a fight with every one I encountered. So any freeper I offended I apologize.
4
posted on
09/03/2011 8:43:44 AM PDT
by
Ditter
To: no gnu taxes
How long has it been? What kind of damage?
5
posted on
09/03/2011 8:44:47 AM PDT
by
GOPJ
(126 people were indicted for being terrorists in the last two years. Every one of them was Muslim.)
To: no gnu taxes
6
posted on
09/03/2011 8:45:38 AM PDT
by
smokingfrog
( sleep with one eye open ( <o> ---)
To: no gnu taxes
Don’t agree to anything until you have acquired a firm estimate from a legitmate contractor to repair the damage. Study your policy to understand the limitations of coverage. Play nice with the adjuster in the meantime, but if you get a whiff of lowballing, and they will likely try, retain an attorney and offer to settle for the maximum under your policy.
Then, regardless of the outcome, be prepared to find a new insurance company, because they will drop you for having filed a claim. Nothing personal on that one, even though it seems like a slap in the face to a homeowner. Actuarial tables show that those who have had a claim paid out are far more likely to have another in the immediate future, and they’re cutting their losses.
To: no gnu taxes
Don’t say or offer anything, just let him or her do what they need to, then wait for report and if you feel that it is sufficient accept, or ask for another one or call a general contractor and get your own. Then counter.
8
posted on
09/03/2011 8:46:25 AM PDT
by
MAAG
(Look up, for your redemption draws...)
To: no gnu taxes
take lots of pictures and write everything down.. in other words cover your ass and don’t take anything for granted
9
posted on
09/03/2011 8:46:37 AM PDT
by
garykfd
(American by Birth, Southern by the Grace of God)
To: garykfd; no gnu taxes
Even better..have someone record your meetings, and conversations, with the adjuster..he shouldn’t mind...
10
posted on
09/03/2011 8:49:41 AM PDT
by
ken5050
To: no gnu taxes
11
posted on
09/03/2011 8:51:03 AM PDT
by
clintonh8r
(Happy to be represented by Lt. Col. Allen West.)
To: no gnu taxes
Filed last Monday , haven’t heard a word yet from an adjuster.
I have two estimates already, but no adjuster, and Lee coming in with more rain on a damaged roof, and Katia sitting in the Ocean.
12
posted on
09/03/2011 8:53:20 AM PDT
by
Venturer
To: no gnu taxes
My experience with insurance companies over many years in business is to get a lawyer experienced in insurance claims. You would be surprised how reasonable insurance companies become when dealing with someone who understands all of the legal mumbo jumbo. I have come out way ahead of the legal fees with a good attorney.
13
posted on
09/03/2011 8:53:20 AM PDT
by
oldbrowser
(Santelli is the real leader of the tea party.)
To: no gnu taxes
What is your claim? Flood damage? Wind damage? Fire damage? What specifically are you claiming?
14
posted on
09/03/2011 8:55:40 AM PDT
by
ought-six
( Multiculturalism is national suicide, and political correctness is the cyanide capsule.)
To: clintonh8r
A public adjuster only impacts damages, and cannot affect coverage.
15
posted on
09/03/2011 8:57:42 AM PDT
by
ought-six
( Multiculturalism is national suicide, and political correctness is the cyanide capsule.)
To: no gnu taxes
Who is the carrier, and do they send their own adjustors?
16
posted on
09/03/2011 8:58:51 AM PDT
by
Bringbackthedraft
(Liberals fight with smear, Conservatives fight with truth. Palin & West team 4 me)
To: no gnu taxes
Allstate was here in the winter and was excellent for a collapsed barn.
I too will see tomorrow when they show up for a tree landing on house, but before it landed, it ripped out power feed and associated hardware.
When the power came back after being repaired some where away from the neighbor hood an open neutral in the feed resulted in all low voltage stuff to fry.Micro,garage door opener,TVs,Stereos,radios,all gnd fault sockets and I think the circuit board in the gas furnace/ac unit(nothing works in that)Best one was the mattress pad heater controller in the 2nd floor bdrm that no one uses in the summer,melting on the night stand which I discovered after shutting the main breaker and doing a walk around in the dark.The end table was starting to burn.If I waste home to kill the breaker the house would have been on fire..........
My declaration shows 160,000.00 personal prop @replacement value...will see.There is always the “act of god” disclaimer. So far out of pocket 700 for the tree and 1700 to replace the entire service feed which was old and the power company wouldnt connect back to it.
To: no gnu taxes
Hire your own adjuster and then begin the negotiations.
18
posted on
09/03/2011 9:02:21 AM PDT
by
Kirkwood
(Zombie Hunter Hobbit)
To: no gnu taxes
After Katrina it took a while because of volume but the claims adjuster did a fair job at my parents house. New roof new carpet. Around $15,000 in all. Repaired damage caused by the fallen tree but didn’t cover removal of tree. LA has odd laws. They were not living in the house so they had time to be patient.
19
posted on
09/03/2011 9:03:02 AM PDT
by
ThomasThomas
( Congressmen should wear uniforms like NASCAR drivers, so we can identify their corporate sponsors.)
To: no gnu taxes
Thoroughly read your policy. Understand the distinction between wind damage, for which you may be covered, and flood damage, for which you may not be. Recognize that under that Midwestern smile, your insurance company will do everything it can to avoid paying. When interviewed, answer all questions in a way which comports with your coverage; think strategically. Photograph everything. Do not accept any verbal assurances.
20
posted on
09/03/2011 9:04:40 AM PDT
by
americanophile
("this absurd theology of an immoral Bedouin, is a rotting corpse which poisons our lives" - Ataturk)
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