Sandy was my first flood event, and what an event it has been!
I have an insured whose behavior has been questionable, to put it mildly. Sandy was his fourth loss that I am aware of.
The PA, who also worked the insured's Irene claim, sent me an extraordinarily over-inflated estimate that included a large amount of items
that were paid for after Irene, but not replaced. Of course, I excluded those items from my own estimate, even though they didn't volunteer
any of that information. It was a matter of comparing old photos with new ones, where possible, although the insured had thrown out the
Boy, he sure fought hard for that new boiler/water heater combo, until I showed him side-by-side photos. Note to insureds: don't leave
questionable items on your property, even if covered by a tarp.On top of this, the prior estimate that was filed showed either bogus serial
and model numbers or simply "illegible".
A good example of what I was dealing with:
Prior claim submitted by an IA declared a Ruud boiler: S/N 6665666 Model: FFFAKEMN
Estimate sent to me by the PA declared a Ruud boiler: S/N 6665666 Model: FFFAKEMN
Boiler tucked away under a tarp showed a Weil-Mclain S/N 123456 Model: ACTUALMN
A comparison of prior photos and my photos showed the boiler to be one and the same.
So, now this insured wants to file a supplement. He wants an item covered that I never saw, even though he has a receipt that he owned this
item. He is either unable or unwilling to provide me with photos that show damage to said item occurred, and he is complaining that I've
asked for proof of damage.
Question: how do you seasoned adjusters deal with people like this? In your reports, do you note these questionable actions, or just keep
it quiet? I feel pressure from above to keep it quiet, for fear of cracking open Pandora's Box, but I'm also outraged by the insured's, the
PA's, and the previous IA's behavior.
Thanks for reading this far, and I appreciate any advice and guidance you might offer.