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8 Replies and 3492 Views
Foundation Question 3492 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 Odin 10/28/2009 10:58 PM |
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55 Replies and 28891 Views
Like kind & quality 28891 55
Started by butch sanders
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 Hall10/25/2009 8:46 PM |
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2 Replies and 3628 Views
New Adjuster needs opinions on types of work. 3628 2
Started by newadj09
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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3628 |
by freebob10/23/2009 11:31 AM |
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27 Replies and 10461 Views
Have fun with this one 10461 27
Started by Ray Hall
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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10461 |
by Ray Hall10/16/2009 9:08 PM |
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22 Replies and 9905 Views
Table Top Settlements 9905 22
Started by Ray Hall
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 Hall10/08/2009 10:31 AM |
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7 Replies and 6858 Views
giving the insured a copy of the narrative report 6858 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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6858 |
by Ray Hall07/31/2009 11:04 AM |
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20 Replies and 10716 Views
Coverage Question -- Joe's Burned Up Lawnmower 10716 20
Started by Medulus
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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10716 |
by Roy Estes07/26/2009 10:21 AM |
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9 Replies and 8712 Views
Nationwide HO with NFIP flood inside the policy 8712 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 Hall07/10/2009 10:58 AM |
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15 Replies and 6342 Views
Regular Claims, its a snap 6342 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 Roy Estes06/23/2009 9:02 PM |
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21 Replies and 17415 Views
Depreciation on labor 17415 21
Started by greencaus
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 Roy Estes06/16/2009 6:01 PM |
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3 Replies and 3414 Views
DOI just doubled policy limits for Sayre Fire victims due to vague policy language 3414 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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3414 |
by Medulus04/23/2009 6:06 PM |
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3 Replies and 3458 Views
Staged Burglary Losses 3458 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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3458 |
by okclarryd04/10/2009 10:38 AM |
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13 Replies and 11492 Views
Farmers insurance wind driven rain - Oklahoma 11492 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 Wieneke10/19/2008 10:40 PM |
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8 Replies and 3588 Views
Are Standard Contents Limits Adequate? 3588 8
Started by nixonjf
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 HuskerCat10/07/2008 9:48 PM |
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7 Replies and 14283 Views
Allstate dropped our wind coverage....what is wind pool? 14283 7
Started by SCushway
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.08/16/2008 11:05 AM |
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38 Replies and 11246 Views
Vehicle Damage Claims and odd wind claims 11246 38
Started by Ray Hall
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 Hall04/04/2008 11:06 AM |
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49 Replies and 16256 Views
Great State of Texas Insurance Coverage 16256 49
Started by Ray Hall
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 jtrea03/11/2008 9:52 AM |
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0 Replies and 4420 Views
Illinois allstate hob4 policy 4420 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 |
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8 Replies and 6957 Views
Texas TDP 3 policy 6957 8
Started by JimGary
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 ranger01/04/2008 9:58 PM |
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2 Replies and 4160 Views
Arbitration 4160 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 jlombardo12/06/2007 7:20 AM |