DougSpurlingcreated the topic: Adjuster's Life--don't do it for the money
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I am writing this blog entry in order to reveal the facts behind what Allstate has done here in the State of Colorado during this 2009 hailstorm season. Once again Allstate has hit a new low in how they operate, shortchange their Insureds and the contractors who do the work for their Insureds, and how Allstate is getting away with it.
Here are some basic facts....
a) Gone into the IntegriClaim software and they have changed the line item prices in order to shortchange Insureds.
b) They use their "26%" O&P and $14.00 "Roof Stocking Charge" to justify downward pricing, say for example, 25 yr 3 tab from 158.00 approx per square (without felt, on only) down to $68.88 per square.
c) If a contractor actually becomes the General Contractor on a project Allstate then double-knifes the contractor back by saying that they are not entitled to a true 10 & 10 for O&P because they already paid the "26% O&P".
d) Bottom Line....Allstate has acted in bad faith in undervaluation of losses by altering the price guide distributed by MS/B (IntegriClaim)......
Any comments? We have recently received a legitimate copy of IntegriClaim and we are in the process of gathering evidence to present to the Colorado Department of Insurance so that this situation can be looked into by the Attorney General's office here in Colorado. Any former Allstate/Pilot guys out there??? Tell me what you think.....Isn't Allstate the absolute lowest form of life on the face of this planet? They are 10 times worse than Lloyds of London......Horrific!
More information to come, and believe me when I say that the Colorado Department of Insurance is going to find out about ALL of what Allstate has done this summer....This is worse behavior than they displayed following Katrina....
If the roofer signs a contract that states he will work for insurance proceeds with the insured which is what most roofers do. Then how did the insured get short changed? And who is to say that the roofers that roofer A picks up at the local home depot parking lot are any worse than the ones that you pick up at the Lowes parking lot???? Speaking of unscrupulous roofers after hurricane Ike the home I was living in got a new roof, after the new roof was installed I had roofers coming by knocking on the door and asking if I would like them to look at my roof. I was curious on what they would say, not one came down and said your roof looks good, four yes four roofers in a row said I needed a new roof and they would handle my insurance company for me. It was very interesting.
On another note today I met with a roofer and a PA to inspect a risk, the roofer went on the roof while I was walking around the exterior, he was getting off the roof when I came back around to the ladder. I asked him what he saw, can you believe my surprise when he said there was no damage. The look on the PA's face was priceless. But how could he argue with his own contractor? What a great day. :)
Has anyone heard the term "price gouging". $320.00 to $400.00 per square for 25 year shingles is ludicrous. I will be interested to see what the Colorado DOI has to say about this matter.
Allstate is known to be one of the hardest insurance companies to deal with if you are a contractor. Unfortunately for the contractor it is the insured who decides whether or not to file a bad faith complaint not the contractor. If the insured has her property repaired she is happy. If the insured is happy then the insurance company is happy. If you are sad Allstate does not care. I am an adjuster but at this time I am selling roofs as their is nothing happening right now. Even my pal with 36 years of adjusting experience is starving. So make all the complaints you want. If you are successful that would be great. However, Allstate has been difficult for many years. I even read the depostion of an Allstate Claims Manager by a hardcore Sue Everyone Successful Attorney who got Millions of Dollars from Allstate. He won his case! This was 15 years ago. And guess what? Allstate still does "whatever" it wants to do.
I have to agree with Bryan about Allstate. They are the worst insurance company to deal with. I have yet to handle my first claim as an adjuster. However, I was an agent and underwriter for 10 years. So I do understand an HO3 pretty well. I am even starting to crack open a few CPCU books to more deeply understand the Commercial Property Policy. I am very intrigued by a discussion of a Landlord rental policy offered by State Farm that according to Public Adjuster William Cook is an "open perils" landlord policy? I am like wow. I did not even know something like that existed as I am only aware of DP1, 2, 3.
I was trying to follow your whole Bubba Brown & Jezebel HO3 story. I am gonna have to spend 15 minutes figuring out who all the players are.
But from what I can quickly tell is there will definitely be some subrogation against the company that fixed the VW leaky gas tank owned by Elton Jack.
The DP-3 is a "risk of loss policy and it can be written on rental property, building and contents.
I so not buy into "open policy" . This is language used in court before a jury by plaintiff's expert witness. It,s also used by PA.s and some adjusters. The first time I heard "open policy" was in 2004 when I was setting at the defendants table in court in Conroe, TX on a multi-million dollar mold lawsuit.
All due respect to Bill Cook.