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RJ
32 Posts |
 Posted - 11/01/2002 : 19:22:02
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Cabinets:
If it's flood to bad, can't pay for uppers unless directly damaged by flood water. HO policy, that's a different story. You will have to go according to the claims manager direction.
Carpet:
Carpet stops when a door obstructs the view into the adjoining room(s). If damage is limited to a closet, then coverage is also limited. However, your claims manager may override this. Note your file accordingly and pay it if instructed to do so.
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Edited by - RJ on 11/01/2002 19:23:06 |
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sbeau4014
USA
53 Posts |
Posted - 11/02/2002 : 07:33:04
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Wes,
Another point to add to Todd's reply is that the agent telling you to go ahead and pay to match may not, and probably doesn't have the authority to tell you to do that or pay for that. Your authority levels granted to you are from the carrier claims dept and is exclusive of any authority that the agent may have (ie agency draft authority). If you pay to match up something based on what an agent tells you to do, you may have made one agent and one insured your friend, but you aren't doing what you are supposed to be doing. In those cases, if the match up isn;t something that is covered, you should inform the insd of such and if they persist, you should take the issue to your own claim mgr yourself. Some of the best people I've met in this business are agents, but I've met some that make working with the most difficult PA seem like a walk in the park. |
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Newt
USA
657 Posts |
Posted - 11/02/2002 : 08:34:32
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Carpet:
One big problem with carpet in large areas where the carpet is to be spliced. No two dye batches are the same, and you cannot match even new carpet. Room to room is not that noticable. I would think the adjuster has to do the adjusting with the supervisors approval. If you take the supervisor a problem, by all means have a soulution or two, one of which don't cost anything. |
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fivedaily
USA
258 Posts |
Posted - 11/02/2002 : 09:16:40
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I had an experience once w/ a large carpet loss where the same carpet was carried through to the entire house (not that unusual). The catch was the insd's master bedroom had double french doors leading off of the main living area. My claims manager actually said that in the circumstance w/ the double french doors that I had to pay to replace carpet into the master bedroom as well as the main living area. So I did. He documented the file as to the auth and it was done.
Anothern note, the homeowner was pushy and tried to tell me she needed new pad in the bedroom as well b/c the old pad was not as plush as the new pad would be in the living area (water dmg so I paid for pad here), and the level of carpeting would be off. I flat out said no this wasn't going to happen and explained the exception we had already made for the carpet itself.
Just goes to show, give 'em an inch, they want a mile.
Jennifer |
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Janice Toll
USA
40 Posts |
Posted - 11/02/2002 : 09:56:23
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| Or, in the words of my good friend Gene Murphy, "No good deed goes unpunished". |
Janice R. Martin-Toll |
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Newt
USA
657 Posts |
Posted - 11/02/2002 : 12:04:57
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| If it was my carpet, I wouldn't expect a replacement, however I would have replaced it . Not because it wasn't as plush but because they collect so much grit and dirt that filters through. The pad really gets nasty. Those insureds or customers that cry over a dime and scoff at a dollar are the hardest to please.... What you would like to tell them is socially forbidden. (Pads are not that expensive.) |
Edited by - Newt on 11/02/2002 12:14:00 |
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fivedaily
USA
258 Posts |
Posted - 11/02/2002 : 14:33:15
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I think I would do that also Newt especially considering that pads aren't the expensive part of carpet replacements... it is just so irritating when the homeowner cries like this. But that is the life of ana adjuster. We too must take the good with the bad.
Good luck to everyone still needing work to fill the stockings this Christmas!
Jennifer |
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Newt
USA
657 Posts |
Posted - 11/02/2002 : 19:15:24
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Jennifer, I am having second thoughts about Cat adjusting. Work is so scarce and I couldn't see myself putting other folks out of work by adding my name to the rolls. I might get something with a carrier. Hard to tell what the score will be next summer, maybe I will know something by then. I can be ready to start by then, I will have had a year of hard study. It sure cost a few bucks for training and the three trips to Texas. I still got a trip to NOleans. this month. Next, I am going to take those two self study courses in insurance law for ceu's.
Back to the greedy people, how would you like Calif. Ghost Buster loves them people, he says they are all like that. You may have tried it out there, from what I hear its adjuster purgatory or that other place. Couldn't be worse than Boston. Had to make two trips there this year and if I didn't have good maps, I would still be there, no one spoke english. The only people who spoke english were the panhandlers around the Cambridge square. G'Day
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genco
USA
18 Posts |
Posted - 11/08/2002 : 09:14:21
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As the debate continues, what if there is hail damage on 2 sides, easy enough replace the two sides. But, what happens when the siding in size and texture is not available anymore? I'm talking aluminum with those metal corners and the closest match is 1/4 inch difference in height. On an 8' corner by the time you would get to the top you will have a three inch difference (corners don't match up).
Another point regarding those metal corners, they would have to be hand cut to make up the height loss.
Does this circumstance merit replacement of all the siding then.
The carrier could not find the siding either.
Whats your opinion? |
Genco Joe |
Edited by - genco on 11/08/2002 09:17:02 |
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olderthendirt
USA
370 Posts |
Posted - 11/08/2002 : 10:49:09
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| the clear answer is that there is no clear answer, the descion changes from company to company and supervisor to supervisor with some influence on how the field adjuster sells the claim. |
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Newt
USA
657 Posts |
Posted - 11/09/2002 : 17:31:47
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MARK, I think you are right, if you can't sell an idea then you have to buy theirs. We can be thankful we don't have the last word or it may cost us. The answer is simple to me if it don't fit its got to be replaced. The carrier can crawfish if they want, but the deed has got to be done.If they want to wrestle this greasy pig, let em. The siding has to be replaced with a like item(not exact)and not pieced with disimular products. I doubt the carrier will try to crawfish, they had rather have the retention than the bad PR. A lot is going to depend on how the customer views this situation.
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Edited by - Newt on 11/09/2002 17:34:16 |
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jcc1138
12 Posts |
Posted - 01/18/2003 : 19:46:49
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Lon: Just to add, check with the State you are in. In MD, you must consider the pre-loss condition of the home with old nasty (but uniformly nasty) Alcoa siding in a lovely faded blue that is hit by a hail storm and there is damage. The siding damage is only on the rear and is not heavy, but can be seen. According to a Maryland Insurance Administration bulletin, we must be able to exactly match (no chance), or we will be buying all new siding. Let's just say that I buy a lot of siding for insureds.
This goes for carpet, cabinets, etc. as well (not by bulletin, but you are going to hear the grief if you don't take it into account). |
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I've often heard "We don't owe to match"
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