Va. Officials Join Critics of Flood Program

December 6, 2004

  • December 6, 2004 at 9:14 am
    Cathy says:
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    How can the government refuse to help
    victims of flood insurance mishandling.
    Isn’t the flood insurance backed by
    them? Have Tom Ridge and John Ashcroft
    already left office? Wouldn’t it be nice if they helped straighten out this
    mess before leaving office? I know my
    family and I are sure others would appreciate it. This will be the second
    Christmas away from home. Please help us.

  • December 6, 2004 at 10:50 am
    Jay Todd says:
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    My 67-year old mother is a widow and lives on a fixed income. She has maintained flood insurance for her current residence for more than 20 years.

    Ivan flood her, and Hartford Insurance company low-balled her, stalled her, and has not given her one red cent.

    However, they completed one shoddy inspection (less than 30 minutes), denied damages, provided mis-information, and used new construction prices for renovation. And of course, no allowances for demolition.

    Pennies on a dollar was the offer. Not bad considering insurance companies scim off 33% of the flood insurance premium. A wind-fall profit and no risk. What a deal!!!

    Flood insurnace – scam or fraud?

  • January 4, 2005 at 3:06 am
    Roger Poe says:
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    05-01-04

    Some insurance claims can be unintentionally underassed, and subsequently under estimated, dollar wise.

    Adjusters not recognizing existing or hidden wind – moisture damage, because of lack of experience or because of relying on homeowners / business owners lack of knowledge of what all was damaged to their property, can underassess – underestimate a claim.

    Making allowance for those two circumstances, as to why insurers -adjusters claim settlements are “low”, is understandable.

    However, when seasoned insurers – adjusters know good and well what all damage is commonly created during [hurricane, hail, etc.] type eco-catastrophes, and then appear to be avoiding fair and reasonable inspections, per a pattern reflected in their claim reports delivered to policyholders, in a given community, or area, then intentional underassment techniques could be suspect…based on carrier claim “management” decisions.

    Have your property, residential or commercial, inspected by someone experienced in wind debris – wind movement – moisture damage experience.

    The “story” the damaged property has to tell is there to “read”, the reconstruction process/es needed to repair or replace the property is already sealed and the (fluid) fair market price range for all trade work to be accomplished is fairly easy to determine by contacting local, high quality, contractors.

    If you would care to speak with me directly, regarding how insurance claims can be ground down from their possible worth, please feel free to call.

    If you would like some insight as to how, and why, hundreds and hundreds of people affected by Hurricane Isabel are still out of their homes due to insurers – adjusters – FEMA and associates conduct visit http://www.fema.us.

    Also, if you type into “Google” the words -hurricane insurance claim low balling – and maybe the name of your insurer, a rich body of information comes up that may help ones in their decisions as to who to do indemnification business with…or who not to.

    Roger Poe
    Insurance Reconstruction Specialist
    (352)-406-7155
    rogerpoe@acnet.net

  • January 4, 2005 at 3:18 am
    Roger Poe says:
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    Sorry for the typo errors on my last post.

    05-01-04

    Some insurance claims can be unintentionally underassessed, damage wise, and subsequently under estimated per repair – replacement processes dollar wise.

    Adjusters not recognizing existing or hidden wind – moisture damage, because of lack of experience or because of relying on homeowners / business owners lack of knowledge of what all was damaged on their property, can easily underassess – underestimate a claim.

    Making allowance for those two circumstances, as to why insurers -adjusters claim settlements are “low”, is understandable.

    However, when seasoned insurers – adjusters know good and well what all damage is commonly created during [hurricane, hail, flood, etc.] type eco-catastrophes, and then appear to be avoiding fair and reasonable inspections, per a pattern reflected in their claim reports delivered to policyholders, in a given community, or area, then intentional underassment techniques could be suspect…based on carrier claim “management” decisions.

    Have your property, residential or commercial, inspected by someone experienced in wind debris – wind movement – moisture damage experience.

    The “story” the damaged property has to tell is there to “read”, the reconstruction process/es needed to repair or replace the property is already sealed and the (fluid) fair market price range for all trade work to be accomplished is fairly easy to determine by contacting local, high quality, contractors.

    If you would care to speak with me directly, regarding how insurance claims can be ground down from their possible worth, please feel free to call.

    If you would like some insight as to how, and why, hundreds and hundreds of men, women and children affected by Hurricane Isabel are still out of their homes due to insurers – adjusters – FEMA and associates conduct visit http://www.femainfo.us.

    Also, if you type into “Google” the words -hurricane insurance claim low balling – and maybe the name of your insurer, a rich body of information comes up that may help ones in their decisions as to who to do indemnification business with…or who not to.

    Roger Poe
    Insurance Reconstruction Specialist
    (352)-406-7155
    rogerpoe@acnet.net



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