ClaimAdvocate
Ft Wayne,#2Consumer Comment
Thu, March 14, 2013
Yes, the new claim protocol is known inside the insurance industry as Delay-Deny-Defend while dragging your claim our for 10-12 months. This is just good business practice for them to keep your money as long as possible.
At this late date after 6 months, they should have all their arson investigation done after drilling you to death. They look for flaws and mis statements you may make between you and your wife to deny your entire claim. What you say will be used against you. Dont talk and do collateral damages to your own claim as most insured's do by singing like a canary.
I would suggest hiring a Public Adjuster who will work for 10% of the recovery, sure beats 40% to an attorney who is not an adjuster. Make sure its a PA that has 10-15 years working inside an insurance carrier and not a want-a-be contractor playing as a PA. There are hundreds of nuances to every claim and a PA can walk thru them and protect your rights and get you far more money than you can on your own, which will offset the PA fee.
The insurer will keep you at a great disadvantage while always making it look like you are not cooperating with them. You should be getting paid ALE at $2000 per month until they either deny your claim or confirm coverage. You should demand in writing that they deny the claim or accept it today. Either put up or shut up mind set to force them to accept the claim. If the Fire marshal had a case on you, you would be charged at time of the fire. Once the fire dept left town the fire scene is no longer secure and if they have any evidence to deny coverage, they could and should have done so by now. Its all a stall tactic to keep investigating the loss which can go on into never never land, another fraudulent tactic long used by them. Its no wonder for decades they have been unable to find new recruit adjusters to work for them. On the West Coast of California they were the employer of last resort for adjusters to work for and still are.
a GOOD public adjuster will be able to move your claim forward and stop the delay tactics as well as file proof of your loss. The carrier is well known for offering 40% of the loss value. Take action and find a claim advocate and save yourself a lot more grief still ahead for you. Eventually they will beat you down until you will take about anything to settle the loss and still have a shirt on your back.
The Claim Advocate
TheMan
Wellston,#3Consumer Comment
Mon, February 04, 2013
Lets file a class action.........
Michael and Winter
riceville,#4Author of original report
Thu, October 25, 2012
They have been supplied with everything other than our dna! This company is doing nothing more than trying to find a loophole to get out of paying our claim or for us to get angry enough not to fooperate so they can deny the claim and they keep saying they have the right to investigate any claim and are not held to a timeframe! I know have the lot owner wanting to sue me because the trailer and lot hasnt been cleaned up but the insurance company sent me a letter saying i couldnt remove anything
so really how many problems can one crooked company set out to cause and the only answers i get is we have the right to investigate the claim and we dont have a timeframe and we are alowed to keep coming back week after week and asking for things that have already been sent to them i will post a list tomorrow of everything that has been sent to them and please people let me know what u think about how much information a insurane company can ask for because at this point its really become a invasion of privacy and tactics to get out of paying!
Phillip
Boone,#5Consumer Suggestion
Wed, October 24, 2012
The Insurance company claims they cannot contact you or it is your fault for the delays in handling your claim. Its pure POLITICKING by the claims person covering their paper trail. Don't listen to their crap!
AssurantSP
Atlanta,#6UPDATE Employee
Mon, October 15, 2012
I'm writing on behalf of American Bankers Insurance. Our Claims team has worked diligently to process this claim, but several calls, letters and e-mails have gone unanswered. We are attempting to obtain the necessary documentation to process the claim.
If the customer who wrote this report reads this rebuttal, please respond to your American Bankers representative; we cannot process your claim without proper documentation. Thank you very much.