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No problem , just don't work in Canada....Just kidding here  In all seriousness, this will almost guarantee a sharp increase in complaints about the claim handling as it will guarantee that the insured will get a refund on the premium.  Can't beat that, have full coverage, file a claim, get paid for the damages (whether it is a proper adjustment or not doesn't matter), file your complaint on the adjustment, and get your premium refunded (and maybe more $ on the adjustment too).  Ya gotta love it.

What a Canadian complain about something? You might be surprised about how few people will do anything, even if they are unfairly treated.

I'd be interested in reading the fine print on this deal.

So, what are those "upfront" promises?  Does Canada have provincial insurance departments of insurance that include/approve the inclusion and enforcement of such a declaration that the premiums would be refunded in the event of a dissatisfied policyholder?  Looks like the judge & jury is going to be the carrier that is holding this carrot out in front of the horse.  Not a bad sales tool from my view, but how serious are they about it, where does black & white become grey, and how do they decide on that fine line of allegience to their claims staff vs. the policyholder? 

Marc,

I could not agree more. There is little doubt that the that the industry has changed. I see no need to elaborate here.

The Good Hands people now in Canada. That is funny beyond belief. Marketing strategy has gone beserk in late years.

Is it a big transition from storm claims to regular claims?    I applied to an out of state vendor that required x-mate and about 3-4 weeks passed and I get a phone call about 16:30 on Friday after noon wanting to know if I could work a water claim on a rush basis today or no later than noon on Saturday. I could inspect that night and I did. A very good grade of laiminate floor had water on top and the house was being dryed out. I wanted to reinspect the following day after the drying. The staff adjuster chewed me out for not getting a itel sample of the floor and sending it in before agreeing to total out the floor after the second inspection. I felt very conflicted as I had doubts about if I was a round or square peg trying to fit snuggly in a hole/notch that was smaller or larger than the peg.(I just made this up). The house was sold and scheduled to close in 8 days.

Thanks for the heads up Malvi. My problem is how do you get a sample of wood out of the floor with out some destruction, and carpenter toolsThe second problem is how do you know its a total loss when the contracted water suckers state they do not see any damage at this point, but it could be apparent in several days,but I learned that lesson 40 years ago. The truth was I kinda  miffed that the lead water sucker had 4 months experience, the helper had 4 weeks and the supervisor had 4 years and were kinda jacking with this desperate family who thought they may loose a good contract on the sale of their house.

I also uploaded my file back through the vendor, but got ream from the inhouse adjuster as I always put my name and contact phone # on all my work, because they require an itel on all floor claims, which would have required another 3 hour RT  after the floor was removed.

So the moral of this story is the water suckers got their $3,000 bill paid direct. The insurance companys standard practice in reguards to water claims was followed, except the old emergency adjuster did not get the itel sample(I was told to by the vendorswhen it was assigned) but just did not know how to take a 6 foot long T&G glue down floor with my limited tool box. I  got chewed out and have never got another claim from the vendor/carrier wasted my money on exactimate and learned another lesson about one carrier.

I had kind of the same situation but with autos, had a vendor that is trying to handle several states without actually having anyone in those states (which seems to be a trend). They got me signed up and then would only call me when it was a rush, It would be up to 200 miles one way so I would ask for approval for the mileage and make it clear how far it was and of course they did not want to turn it down so they would ok the mileage. Out of the 5 I did for them I never got payed the mileage I was promised, they would always use the excuse the carrier would not pay it which was not my problem. I run a small IA in MN and I have used a sub 300 miles away and I pay them what I promise even if I have to loose a little on the file, it is worth it to keep the carrier.

How do you get a sample of wood out of the floor without some destruction?

Want to hear something funny? We had a water loss at home. Dishwasher hose let go while we were in the field. Water ran all day. By the time we got home, there was water everywhere. I have wood floors throughout the upstairs of my house. The kitchen floor particularly around the dishwasher was already starting to buckle, but I called out a water restoration company and started the dry out process right away. The next morning the company adjuster came out. Water company was at the house, told the adjuster it was a possibility the floor would go back down and it would only need to be refinished. Adjuster insisted on taking a sample of the floor (he wanted to confirm it was hardwood not laminate). He literally cut a section of flooring out directly in front of the cabinets. The moral of this story? The carrier now has to replace my floor! However, it gets better. To replace the kitchen floor with Oak flooring, (requires removing and re-setting all the lower cabs, and the Corian countertop in a U shape), refinish the rest of the floor (I have an open floor plan), and to replace the drop ceiling downstairs, he allowed $1,354.03.

Got to love it

Malvi