| Author |
Message |
Jim Flynt
Registered User
Username: Jimflynt
Post Number: 393
Registered: 6-2001
| | Posted on Saturday, August 03, 2002 - 7:15 am: | |
Gil: If Russ, Lee, Ghostbuster and I collectively pooled our "T-shirt collection" learned and earned over the years the 'hard way' we could easily open the 'World's Largest T-Shirt Outlet' store in Malibu, South Padre Island or Myrtle Beach and retire handsomely.
One of the great benefits of CADO is that it allows vicarious education without having to pay the sometimes steep tuition charges at Life University and the School of Hard Knocks.
The 2nd kick of a mule is not an education. |
Gil C. Newton
Member
Username: Newt
Post Number: 20
Registered: 7-2002
| | Posted on Saturday, August 03, 2002 - 12:23 am: | |
Thanks Jim for the kind words and you folks are right. I have been there and have the tee shirt. I gave you a bad example, and it is a formula for extreme inconvience down the road. True you will make friends, but they will come back to you every time they have a problem regardless
of what it is. Enough beating a dead horse you people must have the t-shirt too.
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Jim Flynt
Registered User
Username: Jimflynt
Post Number: 392
Registered: 6-2001
| | Posted on Friday, August 02, 2002 - 8:17 pm: | |
Gil: Russ and Lee are absolutely right and make excellent points well worth remembering.
Beyond the legitimacy of their logic and practical advice, I would also add that during a catastrophe assignment, when you are given 75 to 150 claims (Ah, remember those days?) you scarcely have time to eat and sleep and inspect and close your legitimate files much less initiate what would otherwise be a worthwhile humanitarian project.
Never forget why you are on "storm" lest the 'powers that be' decide that everyone's interest is best served by relieving you of claim files so that you may devote 100% of your time and efforts to your great, albeit, not highly
rewarding (at least not financially) endeavor.
Gil, you are to be admired and respected for what is apparent: your heartfelt compassion for your fellow man. Don't ever lose that: it is worth more than all the money in the world!
(Message edited by jimflynt on August 02, 2002) |
Lee Mushaney
Registered User
Username: Red
Post Number: 16
Registered: 3-2001
| | Posted on Friday, August 02, 2002 - 4:24 pm: | |
Keep in mind one thing.
All good deeds never go unpunished. |
Russ Lott
Registered User
Username: Russ
Post Number: 6
Registered: 9-2001
| | Posted on Friday, August 02, 2002 - 3:12 pm: | |
Gil, I have found that in trying to smooth the troubled waters with an Insured, over a non covered loss is opening the door to involvement that many "younger" adjusters may want to stay clear of. The planting of an idea may come back to bite them. Stick to the loss as described and give the company the facts, I have found that either the Insured or the contractor will try and twist the facts to their advantage. Stick to the policy language and the direction from the company. If the company needs further investigation, they will usually contract with an "expert". Paint deteoriation can be caused by many factors, whether latent defect, weather conditions, or workmanship, in our case all are excluded and we owe it to the parties in the contract to keep our remarks directed to the coverage issues. |
Gil C. Newton
Member
Username: Newt
Post Number: 18
Registered: 7-2002
| | Posted on Friday, August 02, 2002 - 7:07 am: | |
If this is not a covered loss. The insured may appreciate the fact that you are trying to help
get their siding fixed or replaced.
I have gone out with the dealer as a rep of the factory and inspected siding problems and found in cases where there was no physical damage that one two things happened.One is a coating failure ,IE lack of UV protection ,or in case of ripples,there was an installation problem. If
siding fastners are put on with nail guns, the nails or staples are to deeply set. If it is made clear to the insured that it is not covered then offer help. You are right, we
never want give the impression that we are shifting blame. This is where people skills come in.
What I am trying to say is after you convinced the person it is not covered then I would (personally)offer them a solution even talking to the mfg/dealer. That would carry a lot of weight with getting the insureds problem solved. Never offer any solutions to an out of
control person or someone who is convinced its an insurace problem. You are right get your EO
in order if this is the case.
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Lee Mushaney
Registered User
Username: Red
Post Number: 14
Registered: 3-2001
| | Posted on Wednesday, July 31, 2002 - 6:56 pm: | |
Russ and Linda are absolutely correct. It is NOT damaged. Oxidation is due to sun and weather and
therefore has not been damaged by a single occurrance incident of a covered loss. The oxidation is not the problem of the siding company and if you so advise the insured that it is I hope your E AND O is paid up,again you are going to need it. |
Gil C. Newton
Member
Username: Newt
Post Number: 17
Registered: 7-2002
| | Posted on Saturday, July 27, 2002 - 9:14 pm: | |
The siding manufacturer is responsible "if" they or the dealer advertise that you never have to paint again. Most siding paint has a very long warranty. I would contact or have the client
the dealer if known and put in the corner it belongs in. Oxidation is a failure of the paint.
It happens. |
Linda Asberry
Moderator
Username: Linda
Post Number: 29
Registered: 12-2000
| | Posted on Monday, June 10, 2002 - 10:21 pm: | |
I agree with Russ. If it isn't dented--it isn't damaged. If memory serves me, even the Minnesota court that caused such a ruckus over the siding matching issue excluded natural weathering. The oxidation will come back and it won't take long.
Can someone who did clean-up on the siding re-opens in Minnesota chime in? |
Russ Lott
Registered User
Username: Russ
Post Number: 4
Registered: 9-2001
| | Posted on Monday, June 10, 2002 - 8:05 pm: | |
The problem with the oxidation is due to weather conditions which the last time I looked is excluded. Deny it and go on to the next thing. |
Tom Strickland
Registered User
Username: Toms
Post Number: 37
Registered: 12-2001
| | Posted on Monday, June 10, 2002 - 8:23 am: | |
While in St.Louis Hail storm,2000-2001, this problem came up several times, eventually, carriers (most all) wrapped home. But found nothing but a cleaner (mold type stuff) Joe Cleaner or something like that, that did work somewhat. But, if there is a dent, or discoloration in the siding, it is gonna be wrapped sooner rather than later.
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Cat Adjuster
Registered User
Username: Catadjuster
Post Number: 1
Registered: 6-2002
| | Posted on Sunday, June 09, 2002 - 7:31 pm: | |
Hail hits aluminum siding leaving spatter marks or clean spots everywhere the hail hit.
I have tried to clean the siding using a wet towel but after drying the spots return. I am afraid to suggest powerwashing because I think that will only remove the paint from the siding.
First of all, does anyone have a way to remove the spots or a way to return the siding to a uniform color? Will weathering over time cause this to happen anyway?
The big boys say this is not damage but I feel if the siding can not be returned to a uniform color then this is damage.
Any thoughts or suggestions on this matter will be appreciated. |
