re: If you have State Farm...hire a public adjuster

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How do I go about finding a PA? I’m in Jennings and my adjuster says I have $3900 in damages and my contractor says I have about $28k

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What is the reason for such a large discrepancy? What are your points of disagreement? Is there disagreement over the scope of the loss or is it over the costs ?

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Sold flood with no contents coverage, et

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You have to opt in for contents on flood. They send you a letter. The agent is just the middle man on flood. Should cost the same from any ins company for the fed flood policy anyway.

Ok insurance man. I have friends that’s re adjusters and we’ve worked together for years and every year there is some new bullshite that their respective companies say they “don’t pay for that.”

State Farm refuses to pay markup on sublets. 25% was the standard for nearly 25 years.

Progressive refuses to pay for parts that break when they are removed. If “the database” doesn’t say “one-time use”, they won’t pay for it, even if it breaks right in front of the adjusters eyes.

Insurance companies stopped paying for body supplies years back (cost of doing business).

Illegal caps on paint materials.

Refusal to pay feather, prime and block under refinish even though all three databases list it as a required refinish operation. I can get you the page numbers from the databases if you’d like.

Refusal to pay for de-bib, color sanding or buffing even though these are all listed as operations required to return a vehicle to preload condition, once again, by all three databases.

Refusal to pay for test fit of aftermarket parts.

Refusal to pay for cleanup or repair on used parts that they source.

Refusal to pay book time on mechanical items such as alignments, diagnostics, radiator replacements and test drives.

Refusal to pay tear down on total losses.

I could go on and on.

I don’t work for you colluding motherfrickers, I work for the customer and act as their advocate.

Want me to upload all the conversations I have recorded of my interactions with adjusters? Because yeah, your “talking on a recorded line for training purposes” too, bitch.

Hell, State Farm agents are the worst of the bunch. They can’t even file claims for the customers anymore, they just hand the customer a 1-800 number to Claims Central or tell their customers to just go get an estimate.

As a matter of fact, you sound like another clueless agent that doesn’t know what kind of bullshite your company pulls. (Unless you work for Shelter or Farm Bureau, in that case, keep up the good work!)

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I don’t work for you colluding motherfrickers, I work for the customer and act as their advocate.

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Is there a reason you cannot discuss an issue civilly without an ad hominem attack.

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As a matter of fact, you sound like another clueless agent that doesn’t know what kind of bullshite your company pulls. (Unless you work for Shelter or Farm Bureau, in that case, keep up the good work!)

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I am not an agent and have no idea why Any company's agent cannot take in loss information and report it to their claim office. During a catastrophic event it may be quicker for the insured to report the loss.

However, as an independent adjuster for 46 years I do know quite a bit about the industry. I am not going to tell you every claim is handled perfectly and every insured or claimant is accorded proper respect by every adjuster in every situation. I will tell you that I don't know any adjusters who get up in the morning and think who can I screw over on their claim today. We have too many claims and too many parties to respond to for such foolishness. But, you obviously feel compellled to take cheap shots because its easy to stimulate the echo chamber of people who have been led to believe the things you espouse.

There are legitimate differences of opinions on claims issues, but often those can be resolved with reasonable discussion. Unfortunately a segment of society has been brainwashed into believing their first call should be to an attorney when no disagreement has existed and there has been no discussion with an adjuster. You state you are an advocate for claimants so presumably you are an attorney or public adjuster. If so, can you honestly state you have not created issues where non existed simply to justify your involvement?

Perhaps you operate a body shop given the questions you raised. You may have some legitimate points, but most costs you cited are the cost of operating a business and no doubt those costs are baked into your rates and there is no reason to pay additional fees to cover them. I don't know of many services I utilize where I receive a breakdown on every factor included in their billing.

If you would like to civilly discuss claims handling I would be pleased to respond to any issue raised without generalizing. Any adjuster who does not handle a claim ethically makes the job of the rest of us more difficult. Insurance is a policy contract and the courts will not allow carriers to fail to adhere to their contractual obligations and companies will not blithely ignore their obligations when it will lead to more litigation they cannot win. They will ,however, respond and defend claims for which they ae not contractually obligated, or for which unreasonable demands are made.

Both but mostly scope. I’ve had two roofers tell me that I need a new roof. These are not out of towners chasing a buck but guys I trust. The adjuster says I need a bundle of shingles and to reflash two dormers. There’s other stuff but that is the big one.

Thanks for posting the details. A question about this section as it references “owner-occupied premises”. If someone has rental houses, can they be hit with more than one hurricane deductible in a year on the houses that are rented and therefore not “owner occupied”.

I’m not in this situation, but that detail caught my eye.

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B. For all homeowners' insurance policies or other policies insuring a one- or two-family owner occupied premises for fire and allied lines, issued or renewed by authorized insurers on or after January 1, 2010, any separate deductible that applies in place of any other deductible to loss or damage resulting from a named storm or hurricane shall be applied on an annual basis to all named-storm or hurricane losses that are subject to the separate deductible during the calendar year.

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Next year we are going with Shelter

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That’s who we have here in lake Charles and they have been great throughout this whole process after Laura. I’ve been recommending them to anyone who asks.

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going with Shelter. Lots of people are satisfied with them.

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I just got a quote for auto insurance because of what people are saying about them here. Holy cow their rates are through the roof. Triple of what I'm paying now.

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