Posted By Tatanka on 07 Oct 2011 06:09 PM
I have been working a fair amount of the wildfire claims in Texas. The public adjuster community have now entered the process. I am wondering what other adjusters are running into. We have PAs pounding the streets and demanding complete roof replacements for smoke, sucking the insulation attic clean, cleaning the complete interior of structures and contents.
Has anyone ran across some good solid guidelines on roofs? I have spoken to several cleaning contractors and they tell me many carriers are buying roofs. My research shows, algae, mold and industrial smudging can create what the PAs are calling soot or smoke residual,
Homes that are 2 to 3 miles from the fire area, are getting their attic insulation removed and replaced and some getting complete exterior paint jobs.
Interiors go way out there with the PAs.
What's the scoop guys? What is everyone running into?
Some folks are raising the health issue flags and demanding the moon.
Would be interested to any observations.
I worked the wildfires in California in 2007 and 2009. It was the 2009 wildfire on a reinspection with a PA when I had my ladder mishap and broke my leg, my pelvis,ribs,jaw and fractured my skull.
I was amazed at the number of PA rep'd insured's and the reopens were almost across the boards.
Whilst smoke claims are better than no claims, if I EVER see another smoke claim it will be to soon. Extremely tedious and time consuming. One specific claim comes to mind and was a reopen with a PA rep'd insured. On the PA's estimate there was a $3,000.00 charge for hand wiping and cleaning a chandalier. I was blown away and I let the PA know that I think that was ridiculous. In the end, it was a learning experience for me as when I pulled up the pricing to clean this type of chandalier and the numbers were indeed close to 3grand,(2,870.00)
Whilst smoke claims are a bonanza for PA's and plaintiff attorney's, there were many legitimate claims with good cause for a reopen. I was impressed with many of the PA's and PA firms I worked with. However, there were 2 that both worked for the same firm and suffice it to say they weren't public adjusters, they were criminals with a PA license.
The majority of these reopens stemmed from the initial adjuster not even inspecting the interior of said risk and that alone gave the PA's the inch needed so they could take a mile.