by Public Adjuster » Sun Dec 20, 2009 08:26 pm
Client Calls me with a broken plumbing pipe.
Drain line pipe underneath the kitchen Cabinets has broken where it makes a 90 degree turn and turns out. Seeping water caused damage to the kitchen cabinets, tile, pantry, baseboards drywall.
This unsuspecting insured does whats natural. He calls his insurance company and sure enough they send and INDEPENDENT ADJUSTER.
The adjuster arrives, takes his photos, takes his measurements and ASSURES the home owner he will get enough money to replace the cabinets and all associated damaged materials. Well, I've seen this before.
2 months later, after not being able to use the kitchen sink h/o gets a denial letter and it states:
"your loss has fallen outside your coverage" "Your loss is due to wear and tear marring deterioration". And then it quoted the specific language excluding such losses in the policy.
The insurance company never Sent out their own plumbers to put a camera through and take a look at the pipes or their "condition". The INDEPENDENT ADJUSTER was not a plumbing expert. The insured however did have a video of the inside of the pipes showing a crack.
Well, we filed suit. And sure enough, we won. Plus court costs and attorneys fees. WHY WOULD THE INSURANCE COMPANY PUT THE H/O THROUGH THIS ORDEAL JUST TO PAY AT THE END OF 7 MONTHS??? BECAUSE THE INSURANCE COMPANIES AND THEIR ADJUSTER ARE NOT THERE TO HELP YOU THATS WHY.
Insurance Companies are "for profit" organizations. This means they are trying to increase earnings/profits and minimize payments[/ Ultimately this falls on the consumer. This claim cost them 40k. I wonder how many others they deny and h/o have no idea what their options are.
If you have had something similar to this happen to you reach me here and I might be able to help. I reside in the state of Florida.
Drain line pipe underneath the kitchen Cabinets has broken where it makes a 90 degree turn and turns out. Seeping water caused damage to the kitchen cabinets, tile, pantry, baseboards drywall.
This unsuspecting insured does whats natural. He calls his insurance company and sure enough they send and INDEPENDENT ADJUSTER.
The adjuster arrives, takes his photos, takes his measurements and ASSURES the home owner he will get enough money to replace the cabinets and all associated damaged materials. Well, I've seen this before.
2 months later, after not being able to use the kitchen sink h/o gets a denial letter and it states:
"your loss has fallen outside your coverage" "Your loss is due to wear and tear marring deterioration". And then it quoted the specific language excluding such losses in the policy.
The insurance company never Sent out their own plumbers to put a camera through and take a look at the pipes or their "condition". The INDEPENDENT ADJUSTER was not a plumbing expert. The insured however did have a video of the inside of the pipes showing a crack.
Well, we filed suit. And sure enough, we won. Plus court costs and attorneys fees. WHY WOULD THE INSURANCE COMPANY PUT THE H/O THROUGH THIS ORDEAL JUST TO PAY AT THE END OF 7 MONTHS??? BECAUSE THE INSURANCE COMPANIES AND THEIR ADJUSTER ARE NOT THERE TO HELP YOU THATS WHY.
Insurance Companies are "for profit" organizations. This means they are trying to increase earnings/profits and minimize payments[/ Ultimately this falls on the consumer. This claim cost them 40k. I wonder how many others they deny and h/o have no idea what their options are.
If you have had something similar to this happen to you reach me here and I might be able to help. I reside in the state of Florida.
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