Posted By John Babick on 07/01/2008 12:50 PM
...an excessive amount of contents that were destroyed? in an under 300 sf foot room.
Every carrier has their own process when something looks fishy - and it would go to the Special Invest Unit (SIU).
There was a recent thread about "recorded statements" vs "under oath" and different carriers do these things different ways. Typically you get the carrier's OK before doing any sort of recorded statement, non-waiver, etc - you don't "just wing it".
I have worked with one Carrier's SIU unit where the process is to explain to the Insd you are helping them to resolve their claim, which is 100% true. You turn on the recorder, ensure you have their permission to record on tape, and then thoroughly explain the penalty of perjury, define perjury, and that you will be asking at the end of the statement if what they have told you is correct according to the laws of your state, under penalty of perjury.
You aren't trying to badger them, or make them feel persecuted, just explaining the process and so there are no surprises, that you will be asking them to state that it is true and correct. That is how you start the statement. As you proceed through the statement, you will either be talking to a straight-shooter and you begin to understand how his version could be the truth, or it just makes less and less sense. And their body language and tone of voice usually confirms that something isn't right.
You end off the statement asking if they declare under penalty of perjury that what they have told you is true and correct. Then you coordinate with your management as to where it is going to go next.
This kind of road will be more meaningful than value per SF, as we have seen rooms stacked to the ceiling with storage, there are endless possibilities, and it just needs to make sense to you so you feel OK about a making a recommendation.