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Admin
547 Posts |
 Posted - 04/06/2004 : 18:31:06
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Transfer posted by KileAnderson on 4/6/2004.
I'm curious, are you suggesting that an entire AC compressor unit should be replaced because it has a few dents on it? Are you serious? What about the ones without the black coating on them?
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Admin
547 Posts |
Posted - 04/06/2004 : 18:32:39
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Transfer posted by trader on 4/6/2004.
Whats wrong with new spray paint after the comb job ? |
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Gale
USA
231 Posts |
Posted - 04/06/2004 : 19:47:10
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| Sometimes the “other” golden rule comes in to play where we like it or not. “He who has the gold makes the rule”. |
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Reconstruction Man
124 Posts |
Posted - 04/06/2004 : 20:30:00
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Russ,
Do adjuster's turn down carrier / vendor work if they know estimates are not going to reflect competitive [construction business] trade practice? |
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Reconstruction Man
124 Posts |
Posted - 04/06/2004 : 20:46:07
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Admin sez,
"Whats wrong with new spray paint after the comb job? "
You gonna' warranty the paint job to cover completely? You gonna keep the sprayed paint off the copper tubing so heat tranfer is not reduced? In a (Gulf Coast) high salt air enviroment, you gonna guarantee your paint job doesn't lock salt under the paint?
Too, it just doesn't get all them there (after hail) wrinkles out that lower the overall value of the unit.
--The comb job is a snow job.
If you want to indemnify stuff, you gotta' take the potatoes with (and with out) the gravy sometimes. |
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Reconstruction Man
124 Posts |
Posted - 04/06/2004 : 20:54:21
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Kile sez,
"I'm curious, are you suggesting that an entire AC compressor unit should be replaced because it has a few dents on it? Are you serious? What about the ones without the black coating on them?"
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We take it case by case too Kile.
But the wrinkles and widened foil channels of a (combed) AC unit does lower its perceived value. Side-by-side, which AC unit would have greater value to you, a hail or non-hail damaged AC unit?
Adjust accordingly... |
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alanporco
USA
112 Posts |
Posted - 04/06/2004 : 20:54:30
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ReconMan: You have been beating this dead horse for months now. Did you fall off a roof?
In one of your earlier posts, you equate the responsibility of an adjuster as being on the same level as a soldier who commits war crimes. That statement alone disqualifies you from any rational debate. First and foremost, we are not killing anyone. Secondly, there are numerous avenues of appeal for a dissatisfied insured.
Over the past several months, you have posted in several different topic areas your haranguings regarding insurance carriers settlement practices. In every case, ADJUSTERS at this web site have explained why we, as field adjusters, are not in a position to comply with your idea of how a claim should paid. If you believe you have proof that O&P is due on every project, then take it to the carriers or to the Dept of Insurance or to the Legislature of your state. You've even stated the TDI has no problem with no O&P being paid on roofing only jobs.
It is not the responsibility of an adjuster to correct the adjustment to fit your perceived idea of what should be.
Do you think licensing in TX is going to affect you? |
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Czar
USA
66 Posts |
Posted - 04/06/2004 : 21:49:29
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Recon:
I have a question for you. If you are a GC and an expert Reconstructionist how come you talk so much about wind and hail claims? Why spend so much time on claims where you know there will be a question of O/P being extended, when you could spend more time on fires, water damage where it would be a no-brainer. It couldn't be that you are a glorified storm chasing hammer swinger, now could it?[:(] |
Edited by - Czar on 04/06/2004 21:59:12 |
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KileAnderson
USA
875 Posts |
Posted - 04/06/2004 : 22:09:09
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| Czar, you've hit it on the head. Conman is not a GC. Most likely he is a PA or some other form of reptilian being. |
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Czar
USA
66 Posts |
Posted - 04/06/2004 : 22:13:06
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Kile:
I hope if I keep hitting it maybe it won't come back, worked for the rat in my garage. |
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Reconstruction Man
124 Posts |
Posted - 04/06/2004 : 23:14:27
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Porco sez,
“ReconMan: You have been beating this dead horse for months now. Did you fall off a roof?
In one of your earlier posts, you equate the responsibility of an adjuster as being on the same level as a soldier who commits war crimes.”
Proco, Porco, Porco…Try reading our thought about (certain) adjusters in the context of the whole opinion that was presented. Then come back to harass us.
Porco sez,
“If you believe you have proof that O&P is due on every project, then take it to the carriers or to the Dept of Insurance or to the Legislature of your state.”
Hope this helps…with the proof thing and all…
http://www.tdi.state.tx.us/commish/bulletins/b-0045-8.html
Czar sez,
“Recon: I have a question for you. If you are a GC and an expert Reconstructionist how come you talk so much about wind and hail claims?”
Well, when you live in South Texas close to the Gulf coast ya’ get all them El Nino / Nina, Northerns, Gulf and Atlantic wild weather cross wind system things going on. You don’t chase storms here. They chase you.
And yes guys and dolls, we specialize in general [re]construction work. Wind, hail, rain and [other] damaged property forensic study stuff keeps us busy. As for the expert part, we try to do the right thing and keep learning about the “other stuff”.
Kile sez,
“Conman is not a GC. Most likely he is a PA or some other form of reptilian being.”
Kile, Kile, Kile…It’s OK…General contractors do exist that can learn what damaged property truly is too. Adjusters, any flavor, can’t have all the fun. And no, I’m not a PA. I just hate seeing naïve homeowners getting taken advantage of here by [cheating agents / insurers / claim “adjusting” cons] in South Texas.
But, as Isabel indicates…that’s not forever…
And I like studying stuff and spewing mindless “drivel”…
That ends tonight’s “Czar and Kiles' Reality Review” show. Stay tune for “Porco’s Adventures On Medication Island”.
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alanporco
USA
112 Posts |
Posted - 04/07/2004 : 00:11:13
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ReconMan: The bulletin from TDI does not state that O&P is due in every claim. What it said is that when a claim does involve O&P, O&P is to be included in the calculation of ACV. There is nothing in that bulletin that says when O&P is due. It definitely doesn't say that O&P is be added to every estimate.
If an insured happens to call the same roofer you use as a subcontractor, is that roofing contractor entitled to O&P? Whoops, my bad. You're the roofer! OK, let's make it some other single trade contractor (such as, AC or siding) and assume there is no other damage that requires any other type of contractor, does your sub, working directly for the homeowner, get O&P?
ReconMan: In what areas of TX do you operate? You don't mind if I check you out with the local BBB, do you? Since GCs don't have to be licensed in TX, I can't check your license status or see if there any complaints against you. A honest, concerned consumer advocate, like yourself, probably doesn't have any dissatisfied customers.
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Reconstruction Man
124 Posts |
Posted - 04/07/2004 : 11:39:03
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Porco sez,
Posted - 04/07/2004 : 00:11:13
“The bulletin from TDI does not state that O&P is due in every claim. What it said is that when a claim does involve O&P, O&P is to be included in the calculation of ACV. There is nothing in that bulletin that says when O&P is due. It definitely doesn't say that O&P is be added to every estimate.”
Actually, TDI sez:
“The deduction of prospective contractors’ overhead and profit and sales tax in determining the actual cash value under a replacement cost policy is improper, is not a reasonable interpretation of the policy language, and is unfair to insureds”.
“If the insurer in determining actual cash value excludes costs that are included in the determination of liability limits, on which the insured´s premium is based, the insurer reaps an illegal windfall because the insurer receives premium on insurable values for which loss may never be paid.”
Example:
1 Cup of Sugar, the “sweet stuff” in an 8” apple pie recipe, makes the pie intrinsically / evenly sweet.
A Builder “baked” structure “pie” has sub/primary contractor OHP “sugar” intrinsically distributed throughout that “pie” by means of each contractors intrinsic business values the Builder added from their structure “pie” recipe.
A carrier premium [Builder duplicated] “pie” intrinsically contains the same primary / sub-trade construction business “pie” ingredients.
When serving out single portions of the pre-paid for premium / contractor “pie” all “ingredients” should intrinsically carry, including the “baked in” G.C. / Builder contractor OHP “sugar” too.
TDI seems to be nicely warning ones that baking another apple pie, without sugar, and serving that, when “real” apple pie has been paid for illegally cheats the consumer.
That seems to be TDI’s RCV or ACV ‘inherently commensurate premium “pie” loss VALUES should be truely equal to policyholder claim settlement compensations’ "point".
http://www.tdi.state.tx.us/commish/bulletins/b-0045-8.html
-Adjust accordingly…
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Tom Toll
USA
154 Posts |
Posted - 04/07/2004 : 13:20:19
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Mr. Recon, I can appreciate your views, however, you are attempting to confront a group of people that do not have the ability to make the changes you want to see. I suggest you contact each individual insurance company that you feel is taking advantage of insured's and GC's. We follow guidlines, as set by the carrier's and vendors we work with.
Actually, your posts are cynical and sometimes abusive. You ask a body to remonstrate with you and we do not possess that that ability. We work for carriers and vendors as Independent Contractors.
As a moderator, I ask that you refrain from condescending remarks. Better yet, go find some GC work to keep you busy. You obviously have a lot of time on your hands. I would also appreciate your saying what the name of your firm is. |
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LMLinson
USA
22 Posts |
Posted - 04/07/2004 : 14:10:05
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| As much time as "con man" spends complaining about adjusters and O&P and whatever else pops into his/her mind, I am inclined to agree with previous post. "Con Man" isn't a GC at all, and to label this individual as any sort of contractor is more than likely a stretch as well. "Con Man" is yet another "SALESMAN" who chases storms fighting for O&P to increase the bottom line that allows him/her to be paid more money than the more than generous money already paid by the carriers. Isn't there a site for Cat salespeople somewhere ? I would ask you to go away but sometimes you are entertaining, not always, just sometimes. |
Edited by - LMLinson on 04/07/2004 20:06:01 |
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Hail Damage and G.C. O&P Sleight of Hand
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