insurancecoverageblog.com is an interesting website… a lot of Katrina stories under the topic first party insurance.
Hey B-
fakeadjusterjoe\’s reading comprehension isn\’t so great either. he was asked for CONCRETE evidence about me and proceeded to babble on about someone else. His general comprehension of elementary ideas leaves a lot to be desired as well.
What happened to all those posts?
Anyway, have a great day today and I will see you around here somewhere!
There\’s also the fact that he can\’t comprehend I never said the insurance companies didn\’t do anything wrong. He put his own twist on my words and then calls me ignorant. If it\’s his twist, then it just goes to follow that he is the ignorant one. (Of course, we knew that anyway). Of course, then there is the fact he is posting under a bunch of different names to try and support his cause.
The responses here seem to have become a personal platform for a few individuals . Let\’s drop the rhetoric and return to meaningful comments and information.
I suspect mistakes were made by every company dealing with the scope of damages wrought by Katrina and Rita. If my company made them, they need to rectify that and make it right. But to paint a few companies with a broad brush of being evil and greedy is simply naive. And joe, although your post has been removed from this site, your need to be more considerate about insulting custodial workers. That is an honorable profession as any and you have no right to try to put yourself above those that perform those duties. Has no relevance on this board, and I am sorry, but that was uncalled for. Insult me all you want, but don\’t bring other professions down in doing so.
State Farm and Allstate/Pilot Claim Service \”adjusters\” told untold thousands of hurricane Rita victims in South East Texas that blatant wind/debris damage* to asphalt shingle roofing systems was \’not really\’ damage to shingles, and/or \’damage our engineers recognize\’.
(Audio documentation of an upper level State Farm \”adjuster\”/manager explaining their Rita \”position\” is available).
* 6-7 hours of wind borne debris being thrown at 90-100MPH+ against the outer [granule/bitumen] component of shingles, (which abrasive action can grind down the outer layer all the way down to the inner fiberglass mat), is NOT wind damage State Farm and Allstate \”recognize\”.
Too, wind broke/lifted tar sealant bonds on shingles. Debris then shimmed up the shingles, and debris also stuck to the tar sealant bonds, making it impossible for the shingles to reseal, and leaving the home and inhabitants vulnerable to further harm.
Again, State Farm and Allstate claimed that that those types of fiberglass shingle roofing system breakage \’is not damaged that they recognized\’.
(As a side note, many of their loss claim \”offers\” (forgot) to include a basic sub-trade contractor overhead and profit valued line item of 29%, and many other claim estimates (forgot) to include a basic 49% primary/general contractor overhead and profit loss value).
In other words, according to the Texas Department of Insurance,** both Allstate and State Farm are collecting in real dollars Subcontractor and Primary-General Contractor overhead and profit loss values from the general public, but are keeping that money since most people don\’t realize it is part of the value of their loss they have pre-paid for every month in Replacement Cost policies/premiums.
..And their \”adjusters\” comply with such practices.
It also makes one wonder how the accountants juggle those windfalls?
** See Texas Department of Insurance Bulletin B0045-98 which describes primary/general contractor ovehead and profit values as being (financially/necessarily) factored into replacement costs of structures, and is pre-paid for by the general public, and IS TO BE DISCLOSED to claimants as part of the ACTUAL value of a [structural] \”loss\” dollars wise.
Not doing so can create ILLEGAL windfall/profit.
Collecting money from consumers for anticipated potential full loss/replacement costs of a structure, which premium dollar costs include the need for a primary/general contractor to replace the structure, and then leaving out/NOT DISCLOSING BASIC 20-49+ contractor overhead and profit costs in \”financially adjusted indemnificaion loss values\”, ALREADY ANTICIPATED, CHARGED FOR, AND COLLECTED, is theft of premiums, no?
Dismissing/misrepresenting blatant roofing system wind damage, that is physically and factually nothing less than that, (and, oddly, previously recognized by Allstate & State Farm in other storms in the coastal states), to untold thousands of hurricane Rita victims in South East Texas/elsewhere, is intentional unfair trade practice, deceptive trade practice, and theft of premiums too, no?
THE STATE AND CITY TRIED TO LAY EVERYTHING AT THE FEET OF THE FEDERAL GOVERNMENT. NOW THE FEDS ARE TRYING TO LAY IT ON SOMEONE ELSE. IF THE DO-DA\’S WOULD DO LIKE THE PEOPLE IN KANSAS, THEY WOULD BE MOSTLY DONE BY NOW.
Shouldn\’t cooperative so-called loss claim \”adjusters\” be concerned with…
\”Dismissing/misrepresenting blatant roofing system wind damage, that is physically and factually nothing less than that, (and, oddly, previously recognized by Allstate & State Farm in other storms in the coastal states), to untold thousands of hurricane Rita victims in South East Texas/elsewhere, is intentional unfair trade practice, deceptive trade practice, grand theft of premiums and public endangerment, no?\”
What is \’enough\’ exposure of these issues \”Adjuster Joe\”?
We have updated our privacy policy to be more clear and meet the new requirements of the GDPR. By continuing to use our site, you accept our revised Privacy Policy.
insurancecoverageblog.com is an interesting website… a lot of Katrina stories under the topic first party insurance.
Hey B-
fakeadjusterjoe\’s reading comprehension isn\’t so great either. he was asked for CONCRETE evidence about me and proceeded to babble on about someone else. His general comprehension of elementary ideas leaves a lot to be desired as well.
What happened to all those posts?
Anyway, have a great day today and I will see you around here somewhere!
There\’s also the fact that he can\’t comprehend I never said the insurance companies didn\’t do anything wrong. He put his own twist on my words and then calls me ignorant. If it\’s his twist, then it just goes to follow that he is the ignorant one. (Of course, we knew that anyway). Of course, then there is the fact he is posting under a bunch of different names to try and support his cause.
Sad, so sad…
The responses here seem to have become a personal platform for a few individuals . Let\’s drop the rhetoric and return to meaningful comments and information.
I suspect mistakes were made by every company dealing with the scope of damages wrought by Katrina and Rita. If my company made them, they need to rectify that and make it right. But to paint a few companies with a broad brush of being evil and greedy is simply naive. And joe, although your post has been removed from this site, your need to be more considerate about insulting custodial workers. That is an honorable profession as any and you have no right to try to put yourself above those that perform those duties. Has no relevance on this board, and I am sorry, but that was uncalled for. Insult me all you want, but don\’t bring other professions down in doing so.
Agreed, and I apologize for contributing to that.
State Farm and Allstate/Pilot Claim Service \”adjusters\” told untold thousands of hurricane Rita victims in South East Texas that blatant wind/debris damage* to asphalt shingle roofing systems was \’not really\’ damage to shingles, and/or \’damage our engineers recognize\’.
(Audio documentation of an upper level State Farm \”adjuster\”/manager explaining their Rita \”position\” is available).
* 6-7 hours of wind borne debris being thrown at 90-100MPH+ against the outer [granule/bitumen] component of shingles, (which abrasive action can grind down the outer layer all the way down to the inner fiberglass mat), is NOT wind damage State Farm and Allstate \”recognize\”.
Too, wind broke/lifted tar sealant bonds on shingles. Debris then shimmed up the shingles, and debris also stuck to the tar sealant bonds, making it impossible for the shingles to reseal, and leaving the home and inhabitants vulnerable to further harm.
Again, State Farm and Allstate claimed that that those types of fiberglass shingle roofing system breakage \’is not damaged that they recognized\’.
(As a side note, many of their loss claim \”offers\” (forgot) to include a basic sub-trade contractor overhead and profit valued line item of 29%, and many other claim estimates (forgot) to include a basic 49% primary/general contractor overhead and profit loss value).
In other words, according to the Texas Department of Insurance,** both Allstate and State Farm are collecting in real dollars Subcontractor and Primary-General Contractor overhead and profit loss values from the general public, but are keeping that money since most people don\’t realize it is part of the value of their loss they have pre-paid for every month in Replacement Cost policies/premiums.
..And their \”adjusters\” comply with such practices.
It also makes one wonder how the accountants juggle those windfalls?
** See Texas Department of Insurance Bulletin B0045-98 which describes primary/general contractor ovehead and profit values as being (financially/necessarily) factored into replacement costs of structures, and is pre-paid for by the general public, and IS TO BE DISCLOSED to claimants as part of the ACTUAL value of a [structural] \”loss\” dollars wise.
Not doing so can create ILLEGAL windfall/profit.
Collecting money from consumers for anticipated potential full loss/replacement costs of a structure, which premium dollar costs include the need for a primary/general contractor to replace the structure, and then leaving out/NOT DISCLOSING BASIC 20-49+ contractor overhead and profit costs in \”financially adjusted indemnificaion loss values\”, ALREADY ANTICIPATED, CHARGED FOR, AND COLLECTED, is theft of premiums, no?
Dismissing/misrepresenting blatant roofing system wind damage, that is physically and factually nothing less than that, (and, oddly, previously recognized by Allstate & State Farm in other storms in the coastal states), to untold thousands of hurricane Rita victims in South East Texas/elsewhere, is intentional unfair trade practice, deceptive trade practice, and theft of premiums too, no?
rogerpoegc@gmail.com
THE STATE AND CITY TRIED TO LAY EVERYTHING AT THE FEET OF THE FEDERAL GOVERNMENT. NOW THE FEDS ARE TRYING TO LAY IT ON SOMEONE ELSE. IF THE DO-DA\’S WOULD DO LIKE THE PEOPLE IN KANSAS, THEY WOULD BE MOSTLY DONE BY NOW.
Roger: You win the award along with Melanie for posting the same thing the most times. Enough please.
Adjuster Joe:
Shouldn\’t cooperative so-called loss claim \”adjusters\” be concerned with…
\”Dismissing/misrepresenting blatant roofing system wind damage, that is physically and factually nothing less than that, (and, oddly, previously recognized by Allstate & State Farm in other storms in the coastal states), to untold thousands of hurricane Rita victims in South East Texas/elsewhere, is intentional unfair trade practice, deceptive trade practice, grand theft of premiums and public endangerment, no?\”
What is \’enough\’ exposure of these issues \”Adjuster Joe\”?
rogerpoegc@gmail.com