**[size=150]4 Case Studies Of 4 Separate Hail Caims With Different Insuarance Companies[/size] **
A contracting company has a contract with the home owner, not with the insurance company.
Now, to be more professional and assist the home owner in getting their full amount payable that they have been paying premiums for with their Home Owners Insurance Contract, I will go above and beyond the call of duty expected of me by any home owner.
I must be running into more insurance work recently because I have been focusing on it a lot more, since all those Storm Troopers, errrr, I mean Storm Chasers came into town.
4 Current Case Studies:
4 customers with 4 different insurance company’s:
By the way, none of these clients initially called in requesting estimates for insurable damages. They were totally unaware that their insurance company’s would cover shingle and siding damage, since they were not in the center of the Storm Chaser location where everyone is getting all new work done.
All 4 houses are in near proximity to each other, only separated by about 1 mile from the farthest 2 homes. 2 homes are right next door to each other, but with different insurance company’s.
By the way, the Storm Chasers have not invaded these neighborhoods yet, so there is NO NEIGHBOR-ITIS that has infected the attitude of the claimants yet.
1 with Hartford and the customers did everything I told them to do when making their claim call. They scheduled and required that the adjuster contact me first to meet him at the home. The adjuster went their without calling me, yet still was agreeable to the claim. The only difference is, that since I had a signed contract with the home owner for Roofing for the house, roofing for the garage, gutters for the house and siding for the house.
This adjuster says that they do have records that a recent hail storm causing damage has occurred.
Totals = 1,970 sq ft of 1 layer T.O on walk on pitch, roof and replace basic 3-tabs. 82 feet of gutter and 1 of 1 story DS and 1 of 2 story DS and 1,581 sq ft of siding only, with no deductions made for window and door openings.
His figures for that 1 layer tear-off and related work maxed out at around 12,432.61 After reviewing his paperwork and catching 5 very simple roof measurements that were off and a shortage on the siding and that there were gutter guard screening in the gutters, the amount is now at 17,483.00 which just so happens to be my signed contract price.
Why didn’t the adjuster have that required additional $ 5,000.00 in the adjustment originally?
1 with Farmers and the roof was so severely deteriorated from improper ventilation, I told the home owner not to even try to claim that and only claim the siding which had been visibly affected.
Check written on the spot for the siding because the adjuster confirmed his appointment with me and we went over the job.
1,637 sq ft of siding R & R = $ 9,342.14
1 with State Farm and adjuster met with me on his 2nd attempt due to rain, on a Sunday afternoon.
1 layer Tear-Off on a Walk On pitch with no accessories at all.
2,483 sq ft of roofing with basic 3-tabs = 7,309.00 I had a signed contract with the home owner for 7,674.00 and the check written out on the spot after the deductible was for $ 7,309.00
His value for all line items were listed as “Per Bid Item”
1 with AllState. This is the next door neighbor to the “Farmers” client. This home owner saw that I had pointed out the hail damage to his neighbors siding and that the adjuster came out and agreed and paid for it.
So, Mr. Sharpie HO figures why does he have to have a signed contract with me first and have me meet with his adjuster.
1st AllState adjuster says that their is definite hail damage, but that he has no reports of recent hail, so,
Mr. Sharpie HO asks his neighbor what he should do and the neighbor remembered what I had told him about requesting a 2nd adjuster to come out and review the damage.
2nd adjuster comes out and says their is definite hail damage but that he has no report of hail in the area recently, so,
By the way, the photos submitted by the AllState Adjusters, or at least the ones I saw at the Home Owners house tonight, conveniently did not have any pictures on any of the 4 sides that revealed the dents and the dings on the aluminum siding. I went around and saw significant hail damage on 3 of the 4 sides.
**Wait A Minute!!! **
3 other Insurance Company’s that did their adjusting work had recent and large enough hail damage on file to know that the hail damage most certainly was from a recent event.
Why does Hartford, State Farm and Farmers all have records indicating that a recent hail damage storm was substantial enough to accept their proper liability for making their customers whole again and paying for the proper remediation work, but AllState in their All-Knowing methods deems otherwise, with not only one adjuster, but 2 separate adjusters for the next door neighbor who had Farmers Insurance?
Could 3 individual Cat-Adjusters from Hartford, State Farm and Farmers and their weather reports be wrong?
From AllStates perspective, all 3 of these other company’s Must be wrong, because they have no records of any recent hail, therefor the right way to take care of their customers is to deny them coverage.
Although I started off, trying to keep my sarcasm to the tactics of one company out of the written post here, the ludicrousness of how they get away with treating their customers in such a fashion goes beyond disbelief.
There very well are adjusters that work for that company who have integrity and a sense of fair dealings and being truthful with their contracted clients, but it seems as if they must be few and far between. I admire the guy who can take a stand for ethics and integrity, instead of spewing the company line. At what point would the obvious facts be enough to draw attention to oneself. Would an adjuster who was trying to be more truthful and faithful to the clients soon have their position diminished or terminated? I would hate to be in those shoes, knowing that I Had to Cheat and Lie on the company’s behalf, because it seems to be their policy around here.
The only thing that is preserving their image of integrity, is that most Home Owners and Most Local Contractors do not know that they are being taken advantage of. Ignorance is bliss, So You Remain Thinking You Are In Good Hands As Long As You Are Ignorant Of Your Contractual Rights That They Will Not Enforce For You.