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8 Replies and 3201 Views Foundation Question  3201  8 Started by  Willinsky A friend of mine at the beach in Wareham had a terrible problem with her house during a really bad storm a few weeks ago.&160; Her foundation caved into her basement and there is a gaping hole in her house.&160; She put in an insurance claim and the company won't pay.&160; It's going to cost her 20K to fix it!&160; She's 60, lost the job she had for 30 years because the company closed and only has a 401K to borrow from worth 25K.&160; That's it!&160; I feel horrible about it. My Question ...
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by  OdinJump to last post
10/28/2009 10:58 PM
55 Replies and 26272 Views Like kind & quality  26272  55 Started by  butch sanders
(Topic has multiple pages1 2 3 )
Is color taken into account, when roofing tile needs to be replaced I have a customer with a tile roof, that is no longer manufactured. All of the salvage yards have been searched, and the tile or accesories are not available. The carrier claims color doesn't matter, and suggest using a completely different product . Also they only want to replace 30 foot of  ridge. This means the homeowner will have 2 different types of ridge. I cannot warranty a repair like this, and it will look hor...
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by  Ray HallJump to last post
10/25/2009 8:46 PM
2 Replies and 3343 Views New Adjuster needs opinions on types of work.  3343  2 Started by  chris Hello, I would like to ask some of the adjusters on this site what are your thoughts on types of work. Q. Do you think that adjusting whole house projects are better than adjusting smaller more volume residential projects. I.E. flooded houses vs. roof claims. Insurance vs. sales. I have some options and would love your knowledge and experiance to help me with this. Thanks.
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by  freebobJump to last post
10/23/2009 11:31 AM
27 Replies and 9691 Views Have fun with this one  9691  27 Started by  Ray Hall
(Topic has multiple pages1 2 )
We all had a lot of fun with the CP example that Steve posted last week or so. Well this is a HO-3 total loss on Bld. UPP etc. with lots of questions on duties of the carrier and adjuster. Just draw a diagram and zero in on the meat, don,t think like a person that hears the sounds of galloping hooves. Think of horses.... not zebra's. All the facts have been given to answer all the questions the carrier may have. It is you job to tell them what to do.Act like a General Asjuster.
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by  Ray HallJump to last post
10/16/2009 9:08 PM
22 Replies and 9214 Views Table Top Settlements  9214  22 Started by  Ray Hall
(Topic has multiple pages1 2 )
This is how dwelling claims were settled 50 years ago and brought back one or more times in the last 15 years. I have called several people working on storm losses and branch assist for all the large carriers and also the large vendors. I think this will stick this time and the FICUS TREE anf other factory type schemes will not work on homeowner claims. I think this is the best way to settle claims. The new people will be able to give up a month or so of income to do ride along ojt training. The...
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by  Ray HallJump to last post
10/08/2009 10:31 AM
7 Replies and 5927 Views giving the insured a copy of the narrative report  5927  7 Started by  Leland I never before  had an insured or attorney ask for copies of my scope notes/narrative report/ etc, recently I've had two requests. In California, depending on who you ask (attorneys, file examiners) the insured may even be entitled to a copy of the narrative report (with some exceptions, and possible redacting of certain details).   If the insured asks for the narrative report you probably have to send it to them, ask your carrier for guidance. You may be able to assert that it is no...
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by  Ray HallJump to last post
07/31/2009 11:04 AM
20 Replies and 9734 Views Coverage Question -- Joe's Burned Up Lawnmower  9734  20 Started by  Medulus
(Topic has multiple pages1 2 )
The set up for this one is simple.&160; The coverage questions may not be.&160; Mary has been watching Joe mow his lawn for the last two years with his riding lawnmower.&160; She has grown envious because she only has a manual push mower.&160; But she is not sure she wants to spend the money neccessary to buy a mower like Joe's.&160; So she asks to borrow it to try it out.&160; Joe, being a good neighbor, assents to&160;letting Mary borrow the lawnmower.&160;&160;While it is in Mary's ...
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by  R. EstesJump to last post
07/26/2009 10:21 AM
9 Replies and 8236 Views Nationwide HO with NFIP flood inside the policy  8236  9 Started by  Ray Hall Nationwide is requesting permission to put the NFIP policy inside one of their own policys and I think it would be a Homeowners 'risk of loss' policy. This would be a good marketing tool as all the Flood damage would be underwritten by the Fed. Or you could look at it as 100 reinsurance on the flood peril. I am assuming I am the adjuster on a building within 100 feet of the Atlantic or GOM. If the single policy was a DP- I can see problems with ACV problems on percentage of wind-flood damage ...
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by  Ray HallJump to last post
07/10/2009 10:58 AM
15 Replies and 6078 Views Regular Claims, its a snap  6078  15 Started by  Ray Hall The insured has two autos and their Homeowners with the same carrier. My assignment was  theft of personal property from the auto that was parked in the residence driveway overnight.   The investigation brought out the following. The theft about 0300 hrs. as a new mother 2 houses away saw 2 men in baggy clothes walking down the street and an automobile driving up and down at a very slow speed. They have been working this area and the same description is given to the police...
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by  R. EstesJump to last post
06/23/2009 9:02 PM
21 Replies and 16360 Views Depreciation on labor  16360  21 Started by  Melissa
(Topic has multiple pages1 2 )
I just started working for a company that wants me to depreciate not only materials, but also labor.  I know this has been an industry wide debate for years, but what I would like to know is if there is a written standard floating around.  All help is appreciated.
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by  R. EstesJump to last post
06/16/2009 6:01 PM
3 Replies and 3141 Views DOI just doubled policy limits for Sayre Fire victims due to vague policy language  3141  3 Started by  Mike Smith I handled 30 claims (about 25 were totals) for the Oakridge Mobile Home Park in Sylmar.  The park has 600 mobile homes and 485 were totals, with all the rest having at least heavy smoke/ash.  The whole park is closed down, so even if your house made it through, you still can't move back.    These are also high-end mobile homes, with most being triple or quadruple-wide with brick steps and skirting.    Anyway, the point of all this is that there was a line in t...
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by  MedulusJump to last post
04/23/2009 6:06 PM
3 Replies and 3190 Views Staged Burglary Losses  3190  3 Started by  Ray Hall This is the times when these losses began to increase and older adjusters who have several years under their belt in this field should register with the temp. employment firms for an hourly temp. job.
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by  OkcLarryDJump to last post
04/10/2009 10:38 AM
13 Replies and 11020 Views Farmers insurance wind driven rain - Oklahoma  11020  13 Started by  Doug     Hello all, Question for anyone who has any experience with a standard Farmers homeowners policy in Olahoma ,  i assume it is special form, not Protector Plus.  Could you tell me if  drywall damage would be covered if there is no visible outward signs of a leak     For those not familiar with weather in Oklahoma this year - the rain amounts have been unusually high I actually do work for another vendor and carrier, and we do cover it in most c...
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by  Tim Wieneke, JD, CPCU, AICJump to last post
10/19/2008 10:40 PM
8 Replies and 3329 Views Are Standard Contents Limits Adequate?  3329  8 Started by  John Nixon I'm curious, in a total loss, are standard personal property/contents limits sufficent to provide full recovery. Too low, higher enough to cover most/all situations With increased computers, HDTV, etc., or empty nesters downsizing from bigger homes to smaller homes, does one-size-fits-all percent of the building value still make sense
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by  Mike KunzeJump to last post
10/07/2008 9:48 PM
7 Replies and 12493 Views Allstate dropped our wind coverage....what is wind pool?  12493  7 Started by  Sandi How does 'wind pool' work and how do I get coverage for wind damage.&160; I live near Mobile Bay, not in a flood zone.&160; Just concerned about wind damage in the event of a hurricane.&160; Need a better understanding of what 'wind pool' is and how it works for residential home owners.&160; We have a brick home in Daphne, Alabama, approximately 30 yoa that has never sustained any hurrican damage.&160; Any insight would be appreciated. Sandi &160;
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by  Jud G.Jump to last post
08/16/2008 11:05 AM
38 Replies and 10477 Views Vehicle Damage Claims and odd wind claims  10477  38 Started by  Ray Hall
(Topic has multiple pages1 2 )
Was thinking about my old bud John G today when he called me when he was working in Los Angeles on the fire before the last fire. John had just purchase a new lap top and it was sitting on the right front seat when he ran into the rear of another car and the lap top flew into the firewall and broke the open screen off on the plastic-metal case.. and it cost more to replace than to repair, about $2,000.00. Being an old auto adjuster I advised him to turn&160; his puter claim to his&160;Homeowne...
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by  Ray HallJump to last post
04/04/2008 11:06 AM
49 Replies and 15326 Views Great State of Texas Insurance Coverage  15326  49 Started by  Ray Hall
(Topic has multiple pages1 2 3 )
It was always the Texas Policy and the other 49 states policy. Nothing changes in Texas. This session of the legislature has a bill on ALE coverage for mandatory evacuation from Hurricanes. This is really a good bill to consider , it could save thousands of lives. How about flood vs wind damage How is the additional cost of this coverage going to be collected How many carriers will not go along with coverage Can it be provided this storm season Should the gross claim have a 80/20 co -pay...
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by  jtreaJump to last post
03/11/2008 9:52 AM
0 Replies and 4057 Views Illinois allstate hob4 policy  4057  0 Started by  tonyd46 I am looking to get my hands on a copy of the allstate hob4 policy with all endorsements for the state of illinois. if any one has a copy please email it to me at adjuster_6hotmail.com Thank You Tony Deagelo &160; HAPPY NEW YEAR TO ALL
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01/05/2008 10:47 AM
8 Replies and 6651 Views Texas TDP 3 policy  6651  8 Started by  Jim Does anyone have a TDP 3 on PDF they can email me I used to have all of them through Farmers, but they wanted the disk back when I left. Go figure. Thanks Jim W Gary
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by  rangerJump to last post
01/04/2008 9:58 PM
2 Replies and 3898 Views Arbitration  3898  2 Started by  Bruce I was told this week in Florida, If a homeowner request arbitration, the home owner can not use there contractor which will be doing the work, and the insurance company  has to hire a non bias person to do the arbitration. I understand the umpire has to be someone neutral
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by  jlombardoJump to last post
12/06/2007 7:20 AM
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