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alanporco
USA
112 Posts |
 Posted - 04/07/2004 : 14:16:29
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Tom Toll: Your last post is exactly what I've been pointing out to ReconMan for the past 2 weeks. He just can't seem to grasp this.
ReconMan: You did a nice job of copying and pasting from the TDI bulletin. Did you read it? Where does it state that O&P is due on every claim irregardless of how many trades are involved? It doesn't. It says WHEN there is consideration for O&P or other factors, all those factors must be included when calculating ACV. You do know what ACV is, don't you? I suggest you call the TDI for further clarification. Then when they tell that O&P is only necessary when "baking a whole pie," you can argue with them. Until instructions come from on high, adjusters will continue to settle claims the way the carriers want.
Why won't you tell us your business name and where you do business? We (I'm sure I wouldn't be the only one) want to check out your credentials. Got something to hide? |
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Admin
547 Posts |
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JimF
USA
1014 Posts |
Posted - 04/07/2004 : 16:19:15
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(With apologies to Roy in advance) For those asking "who" "Recon Man" is, I am reprinting a post which I made previously to the CADO Forum thread entitled "Contractor City" which should to some extent answer your question. Mr. Poe owns a small roofing company in Weslaco, Texas.
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Reposted from CADO Forum thread "Contractor City"
Posted - 01/27/2004 : 21:25:28
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For all you red meat lovers, here's another little ditty from the very same AllStateInsuranceSucks.com website wherein our favorite insurance expert shares more of his wisdom and philosophy with the consuming public. And don't worry, there is more coming, so stay tuned:
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Name: Roger Poe
E-Mail: rogerpoe@acnet.net
City/State: Weslaco / Brownsville / Texas / US
Remote Name: 66.68.220.131
Date: October 18, 2003
Comments
Attention Allstate Employees / Adjusters, Adjusting claim services......When your Allstate trainers tell you that claimants are liars, and that you must 'stick to your story' in "justifying" their / (your) unfair claim settlement practice, you might want to think about the accumulative affect a guilty conscience has on descent people, such as yourselves. Those questions you have had regarding the continuous unfair treatment of people you have witnessed your superiors or other seasoned team members brush off, or explain away as an "us against them" mantra, are real questions needing your conscientious attention....You owe it to the people (claimants) you look in the eye everyday, that truly need you to handle claims fairly, to do just that. You need to recognize Allstates reverse psychology, guilt trip, double-speak, double innuendo, deny / reward / deny tricks used on YOU from the day you joined their "Team" has molded you to the point that you feel the "power" you have over people, and that feeling is what you are addicted to....That is why you have been able to ignore your conscience, and ignore the way you treat many of your claimants....Just remember though, a guilty conscience will eventually have its say.....
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fivedaily
USA
258 Posts |
Posted - 04/07/2004 : 19:34:19
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This information was found online by searching for Mr. Poe's phone # given at the Allstateinsurancesucks.com website.
Abcrdp Roofing & Remodeling
507 Yarbrough St
Weslaco, TX 78596
(956) 969-4454
I searched the Weslaco BBB and could not find a company with the name given above.
http://www.weslaco.bbb.org/
Jennifer, moderator |
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JimF
USA
1014 Posts |
Posted - 04/07/2004 : 20:24:51
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Jennifer, I actually called the Weslaco Better Business Bureau several weeks ago during the time I made the other post. I was told by the BBB of Weslaco that neither Mr. Poe nor his company are members of the BBB nor had the BBB ever heard of either.
I checked with the Texas AGC and found out that neither he nor his firm are members of the Associated General Contractors organization.
And in three calls that I also made during that same time period to larger general contractors in the area, none were familiar with Mr. Poe or his company.
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Edited by - JimF on 04/07/2004 20:27:38 |
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adjuster12
USA
21 Posts |
Posted - 04/07/2004 : 21:33:46
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I reread reconman's long , long diatribe. Then
I came to the conclusion that the only person naive, would be someone who used his company ro repair their roof.
I have been reading this stuff for months and I can't tell who or what he is saying. I am afraid that the entire web site will be included in a class action lawsuit someday initiated by guess who?????????? |
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alanporco
USA
112 Posts |
Posted - 04/07/2004 : 22:43:20
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Listen guys, ReconMan is a GREAT fisherman. He caught a bunch of us. I, too, went back and some of his rantings. I'm a newbie to this site (registered in late 2/04), so my question is: how long has ReconMan been trolling this site? This clown is obviously bored and looking for some fun. At least, his idea of fun. He is also obviously not working a whole lot. The times of his posts indicate that. No contractor worth his salt is in the office everyday at 10:00 a.m.
Anybody got any idea how to pronounce "Abcrdp"? I'm pretty sure that's not espanol. |
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Johnd
USA
110 Posts |
Posted - 04/07/2004 : 23:22:58
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Try Adding ABC to RDPoe
ABC R D Poe The ABC gets you in the yellow pages on top of the Roofing Monkey Listings, and RDPoe gets you rejected by the majority of adjusters on this site. |
John Durham
sui cuique fingunt fortunam |
Edited by - Johnd on 04/07/2004 23:24:20 |
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Czar
USA
66 Posts |
Posted - 04/07/2004 : 23:34:03
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ABC
Anybody Buy his Crap |
Edited by - Czar on 04/07/2004 23:38:09 |
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okclarryd
USA
106 Posts |
Posted - 04/08/2004 : 17:16:20
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I, and some others, have suggested to y'all to just not reply to the "ConMan'. When I see his name on a posting, I just scroll right on past and read the next one.
My wife taught me how to ignore someone and I'm getting better by the day.
Y'all dust off the Cougar Paws 'cause there's a hail storm a'comin'. |
LARRY D HARDIN |
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adjuster12
USA
21 Posts |
Posted - 04/08/2004 : 18:09:28
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| GREAY ADVICE, THANKS |
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Reconstruction Man
124 Posts |
Posted - 04/10/2004 : 15:08:48
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Roy,
Thanks for the right of our (and others) personal opinions, and personal perceptions, to be expressed on this site. That uncompromised
and unbiased flexibility will continue to prove helpful in exposing (good and bad) carrier conduct...and all that that can mean to the general public.
___
Insurance Claim Settlement/Claim Handling per "Carrier Instructions", and what those are specifically, "carried" into CAT areas (that could potentially save a carrier a good deal of money), is "carried" to desperate, trusting people. We feel Hurricane Isabel is still further proof of the effects and unfairness of CAT "carrier instruction" (type) acts.
We came across "carrier instruction" effects / "conduct" on a fairly large scale in South Texas 5-2-2000, 5-29-2003 and 4-8-2004.
South Padre Isalnd, Weslaco and Brownsville, our marketplace, were some Rio Grande Valley
(hail / wind / rain) areas affected.
South Padre Island-
http://66.102.7.104/search?q=cache:WADNQvmR7OcJ:www.srh.noaa.gov/bro/bro_may00.pdf+hail+south+padre+island+&hl=en&ie=UTF-8
Weslaco-
http://66.102.7.104/search?q=cache:5GGKRq7vp7sJ:www.srh.noaa.gov/bro/bro_may02.pdf+hail+weslaco&hl=en&ie=UTF-8
Brownsville-
http://66.102.7.104/search?q=cache:LZs-UBZihMgJ:www.srh.noaa.gov/bro/bro_apr03.pdf+hail+brownsville&hl=en&ie=UTF-8
After starting to research what may have been behind (certain) carrier and adjuster conduct, we were amazed to find out that certain carrier business cultures were clearly mirrored by their claim settlement field staff in an almost "clone like" manner...and even carrier IA vendor associates presented a similar corporate "face".
And it wasn't a pretty one...
As certain carriers and certain adjusters "conduct" became a pattern, a real concern and curiosity developed. We, and "the insureds", our clients and neighbors, dealt with consistantly underassessed / undervalued claim settlements, rawly rude treatment to the insureds, dismissal of such claim treatment complaints by area and corporate "managers" and "VPs", and other similar and repetitious (bizzare) claim settlement conduct. Even (certain) insurance portfolio management companies shared the above mentioned attitudes.
The consistancy of such [multifaceted] unfair claim settlement conduct, besides being a business concern, became a (curious) consumer / people issue to us. So, we dug into the possible / potential why's and what-for's of what we saw.
Also, realizing the public needed help from the insight of "carrier instructed" (insiders), we tapped your shoulders' of experience to help bring public awareness up to where a momentum of gleaned information would be in place to help ones needing such information.
Thus some of our "drivel" and "ramblings" were born...and your (various) helpful, and sometimes colorful replies followed...You weren't being baited, as some have suggested, just referenced for the weight of your various insights, in what we feel will, overall, prove to be well worth the effort.
Sorry for any ruffled feathers, but, better a few ruffled feathers than many "plucked" consumers / people...neighbors. Our approach has also allowed ones to virtually "introduce" themselves to others seeking their perspective and specialized fiduciary / indemnity protection insights.
You may also have noticed certain topics being visited and read by an increased number of visitors recently. We hope that by proactively promoting the site, and it's collective insight, the issues that affect honest underwriters, carriers, agents / brokers, adjusters and construction professionals, and us all as consumers and people, will come full circle.
Speaking of which, in the 5-29-2004 CADO Topic--"Future of Cat Adjusting Industry", we noticed that there were many concerns about the drop in claims being made across the board in some areas, seemingly because of insurance deductibles being raised to the point that closely matches the average size loss / potential claim settlement.
Now if premiums collected stand much less of a chance of being paid out, do premiums come down proportionately? Or do carrier / stockholders profits shoot up proportionately? Is insurance becoming a profit generator first and indemnity provider second, if at all? (E.g.; 20 years+
and never filing a claim scenarios that end up with a canceled policy being in place, because the indemnity protection promise was used...)
With people / policyholders being made afraid / (aware) of the potential loss of coverage by inquiring or making claims by their agents, and "1-? strikes and you're out" mantras and individualized C.L.U.E. data being
(misused / misinterpreted), what cherry picking / policy issuing profit potential is possible?
In fact, with all of the "cost containment" stratigies that (certain) carriers are implementing, at what point is the idea of insurance protection resources for the typical homeowner to tap into going to come up...
when a place falls down only?
And how is the "actuarial chances" of that scenario happening refected by the typical policyholders premium value?
What regulatory authority processes are in place that can explain in lay terms, to the general public, en masse, that insurance bills paid every month are not actually [mathematically] a huge public consumer dollar
bleeding scam?
If partial losses cannot be "afforded" to be reported to the insurance agent / carrier by an insured, because of fear of loss of insurance protection from that carrier or ANY carrier, (except gouging like coverage and pricing from certain carriers of "last resort" what has that reduced insurance carrier practices to being equal to?
Fear about financial loss + fear about anticipated financial loss coverage affordabilty, stability and ambigious entitlement interpretation at time of "loss" + fear about financial loss coverage being lost if used = A LOT of fear based, carrier business friendly (financial gain) potential.
If (anticipatd) high quality construction and adjusting professionals services are assumed to be necessarily and financially factored into indemnity principles and premium settlement values, and those settlement values are being cleverly avoided, is that fiduciary "good faith" practice cooking the [P/L] books on the front end and back end of a fiscal year of "premium-to-loss" accounting / legal cash and asset reserve rules?
http://www.tdi.state.tx.us/commish/rules/0213A-059.html
http://www.tdi.state.tx.us/commish/bulletins/b-0045-8.html
Has the mega business of insurance "protection" become something to be protected against?
Those are our main concerns. And we may not express them in as polished of a manner that would appeal to everyone here, but they are real public concerns none the less.
We also feel our observations and opinions
need public attention and that no one's negative reply practices, or the manner of their replies, or other conduct on their part, will lessen the obvious need to keep voicing those public opinions and facts.
Roy--Thanks for the opportunity to reply.
Anyone--Feel free to contact us. Thanks for all of the positive feedback and help so far.
-Roger Poe G.C.
(956)-969-4454
rogerpoe@acnet.net
P.S.
Per this topics' theme regarding 'Carrier G.C. O&P Slight of Hand Stratigies' we offer our
follow up opinions and (rhetorical) questions:
For proof of good faith in the claim handling process, each CAT / daily adjuster could
sign a modified "proof of loss" like statement that indicates what type of "prevailing" construction business model[s] are
"allowed" per that particular damaged structures' loss replacement needs.
"2-3 trades or more before a general
(reconstruction} contractor is indicated" carrier business philosophy needs to be justified in writing to each policyholder whether a single trade or multiple trades are going to be needed.
The existing physical damage, construction business estimates, AND carrier estimates being presented tell that story, in part, already, but few policyholders realize unwritten policy honoring rules (practices) exist and are practiced harmoniously by (certain) carriers and their "competition".
Claim settlement "negotiations" the policyholder can anticipate will be encountered,
should be presented by insurance agents / brokers in writting, at the point of sale of the policy and again, in plain language, at the time of the loss inspection, or in the initial written correspondence to the insured after their loss.
And until insurance agents / brokers can write policies that support the assumptions that the general public / homeowners are to be their own "instant" general construction business expert, policies always assume a full loss reconstruction professional is needed at a unexpected moments notice.
That fact dictates whether uncompetitive trade restraints are being practiced per "carrier instructed" reconstruction anaylsis estimates,
which commonly contradict policy / premium contained single or multitrade business values built into various general construction business models the premium pays for.
http://www.tdi.state.tx.us/commish/rules/0213A-059.html
http://www.tdi.state.tx.us/commish/bulletins/b-0045-8.html
Since general construction business models are
necessarily built into a premiums value, isn't ANY needed insurance repair prospect "fair game" business for G.C. business entreprenuers
to pursue?
Or does "How and What we can get it done for now
" become another unwritten (after the premium payment is made) "rule" and "practice".
Interestingly, there is just one way to collect "carrier instructed", and anticipated
"full loss" general construction OHP dollars from homeowners...per their monthly homeowners insurance payment. People pay those values, or they risk a major physical and sentimental loss...their home.
On the other hand, there is quite a number
of "carrier instructed" ways and means
to avoid allowing for those anticipated construction businesses and their various
"prevailing business models" OHP, and other construction business costs, to be paid back.
http://www.tdi.state.tx.us/commish/bulletins/b-0045-8.html
http://www.tdi.state.tx.us/commish/rules/0213A-059.html
Informed consumers (people) are all
carriers, adjusting professionals and construction professionals judges and juries.
Help them reach a ("bad carrier") conduct
vs. consumer-adjuster-contractor (consumer
favorable) "verdict"...
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KileAnderson
USA
875 Posts |
Posted - 04/10/2004 : 16:26:03
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| Someone close the window and turn up the A/C. There's alot of hot hair blowing around in here. And everyone check your shoes. It smells like someone was walking around the cow pasture and stepped in a fresh cowpie. |
Edited by - KileAnderson on 04/10/2004 16:26:58 |
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Admin
547 Posts |
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Hail Damage and G.C. O&P Sleight of Hand
Forum Locked
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