In the absence of coverage issues or the inability of the insured to communicate, PA’s offer little to no value on a routine claim for property damage. If a contractor agrees to repair the dwelling for amount of the claim settlement, the insured just lost the PA contingency fee of 1,500 – 2,000 which doesn’t put him back to pre-loss condition. The only hope is that the PA can inflate the repair costs to cover their fee.
I disagree with opinion that PA offer no value to a claim for property damages when there a coverage issues does not exist.
The value we bring to the claim is that we force the carrier to pay the insured properly especially when the carrier under values a claim on a constant basis.
Prior to becoming a public adjuster, I use to work for a well known insurance company based here in Miami, FL. After the 2004-2005 storm seasons, they adopted a new claims handling practice which consisted of assigning claims to IA’s once the IA submitted their report, we as desk adjusters would re-write the estimate using an outdated SIMSOL database from 1999. After we re-wrote and re-priced the estimate, this carrier was saving an average of 3-7 thousand dollars PER CLAIM.
When we brought our concerns to management about this possibly being bad faith, we were told that they were saving so much money that should they be sued, they would have enough to pay their legal team to defend the case, pay for any settlements necessary, pay any fines, and they would still have millions left over.
Just because you might be the ONE GOOD COMPANY ADJUSTER out there do not fool yourself and thin k that your employer and other carriers truly have their insured’s best interest in mind because if you do you are sorely and unfortunately mistaken.
Further, the fact that a contractor “AGREES” to an amount offered by the insurance company to settle a claims does not mean that the home can be repaired for that amount. It simply means that perhaps that contractor underbid the repairs and will take less profit in an effort to get the job. This is more common in the current economic status we find ourselves in.
“if a contractor agrees to rpair the dwellilng for amount of the claim settlement…” hopefully the homeowner will get the contractor to bid on the job before the settlement amount is ever discussed, IF IT IS EVER DISCUSSED. Their is NO NEED for the contractor to know the settlement amount. Get 3 bids and see if any of them come in at or below the settlement amount. If you let the contractor know the settlement amount in advance I GUARANTEE you just nailed the job estimate.
“If a contractor agrees to repair the dwelling for amount of the claim settlement” … why would you EVER tell the contractor the amount of the settlement? Get 3 bids to do the job and see if any come in around the amount you received from the company. If you let them know the amount you have in advance I GUARANTEE YOU JUST NAILED THE ESTIMATE. Often the contractor will ask what you got and ask to see the check… NONE OF THEIR BUSINESS, have them bid the job if they are interested in doing the work, $$$ unknown.
Here is what I tell the policyholder when the insurance company adjuster tells him/her NOT to share the estimate with the contractor.
1. Who does that adjuster work for? Are YOU paying him? Duh… of course he/she works for the insurance company. The insurance company is NOT going to pay you more on your claim than it costs to restore your damaged property to its pre-loss condition.
2. There is a lot of work now. So if you want to wait for a very long time to get your damaged property restored then GOODBYE. I do not need you! Cause we are kicking ass due to all the storms. Everyone is making money!!!!!
3. Best of all I LOVE the 3 bids!!!! When insured is told to get 3 bids I get 4 bids.Travelers wants to pay $7k on the claim. I would do the work for $8500 and make 10% profit. But Travelers, Allstate, State Farm, etc… will NOT pay more. Here is how we solve that problem. We get bids!!! We give 4 bids. 1. Home Depot $12,500. 2. LOWES $11,000 Sears $13,000. 4. US – $10,000. Now we earn and extra $1500 because insurance company has DUMBASS EMPLOYEES.
Jester you are flat WRONG. I had extensive hail damage to my Roof , Siding , Windows , Screens and Porch. My insurance company said they would only replace the front half of my roof , only 1 side of siding the screens and would NOT repaint my chipped porch. The claim total was around $7,000.00 I could not get a roofer to do the roof for the money I was paid and siding guys didn’t want to look at such a small job. Window screens? YOU tell me where to buy those.
I hired a P.A. and 2 months later I had a new roof THE WHOLE ROOF , new siding THE WHOLE HOUSE new screens , and new paint on the porch. All of that after his fee. I think you are a criminal who works for the insurance cartel and you should be ashamed of what you do!! I almost got stuck with a mismatched roof , 2 tone siding and chipped up porch from a company I paid premiums to for 15 years. How is that fair?
Wow, really Chester!! Do you actually believe that on a regular basis the average insured is properly paid what they are entitled to on an insurance claim? Maybe we should just get ride of the insurance commissioners and regulators to, because it seems very apparent according to Chester that all insurance companies are honest and pay as they should. Next lets get rid of defense attorneys for criminal cases to, as with Chester’s way of thinking we can just count on the fact that the defendant will know all their rights and the persecutor will always be “Honest”.
What a joke, I am a public adjuster that used to be a contractor. While working a big storm in GA my company was taken for close to a half a million dollars based on the fact that we could not represent the clients and the insurance companies would walk all over them. In addition we lost hundreds and hundreds of jobs that had severe damage and yet the insurance company just simply denied.
After that I got so fed up with the way that the insurance companies treat the insured that I sold my construction company and started a public adjusting company to take them on. On a daily basis we handle claims that start as denied or maybe $300-400 without our service and end with $40-50,000 in damage that the insurance company just ignored. It is up to the insured to prove the claim and ask for the repair of everything that is damaged, of course they need someone that knows how to do that working for them.
A common situation I see is when a large hail and wind storm occurs at the same time and the insured calls in the claim themselves. They often say that they noticed missing shingles and thats why they called. When the adjuster comes to the property he calls the claim wind and offers a settlement to repair 2-3 missing shingles. Then he walks around the house and documents all of the hail damage that exists everywhere that he never mentions to the insured. The insured gets the shingles repaired and thinks that they are ok. Years later there roof starts to get huge blemishes and begins to fail. They call their insurance company and the insurance company say “Sorry this is old damage that isn’t covered anymore, it was here when we took these pictures four years ago, see” as they show the insured the old pictures. The new claim is denied, the insureds rates go up, and the insured ends up paying for the new roof that should have been covered to begin with. A roof that would have been covered had they called a good public adjuster in the beginning. Many insurance companies are honest but they all have dishonest people that work for them. I guess the same goes for PA’s and any other business though.
I use to be a public adjuster and I still can truly state that sometimes their is a real need for a good public adjuster. Far to many times policyholders don’t have a clue what they are entitled to during a claim and a good P.A. could aid in that process. Keep in mind I said a GOOD HONEST P.A.
I disagree with opinion that PA offer no value to a claim for property damages when there a coverage issues does not exist.
The value we bring to the claim is that we force the carrier to pay the insured properly especially when the carrier under values a claim on a constant basis.
Prior to becoming a public adjuster, I use to work for a well known insurance company based here in Miami, FL. After the 2004-2005 storm seasons, they adopted a new claims handling practice which consisted of assigning claims to IA’s once the IA submitted their report, we as desk adjusters would re-write the estimate using an outdated SIMSOL database from 1999. After we re-wrote and re-priced the estimate, this carrier was saving an average of 3-7 thousand dollars PER CLAIM.
When we brought our concerns to management about this possibly being bad faith, we were told that they were saving so much money that should they be sued, they would have enough to pay their legal team to defend the case, pay for any settlements necessary, pay any fines, and they would still have millions left over.
Just because you might be the ONE GOOD COMPANY ADJUSTER out there do not fool yourself and thin k that your employer and other carriers truly have their insured’s best interest in mind because if you do you are sorely and unfortunately mistaken.
Further, the fact that a contractor “AGREES” to an amount offered by the insurance company to settle a claims does not mean that the home can be repaired for that amount. It simply means that perhaps that contractor underbid the repairs and will take less profit in an effort to get the job. This is more common in the current economic status we find ourselves in.
I was wondering when you were going to pop up again with your ridiculous comments. Jester….or shall i say, ?
You wish you had the ability to be a public adjuster. what everyone doesn’t know is that you failed at your attempt at being a successful pa so you decided to get a job working for an insurance carrier. We all knew who you are and you’re pathetic.
Wow…A good ethical inside adjuster working for a bad, bad Carrier in Florida decides to become (out of all the good jobs in the insurance field)… A Public Adjuster.
your comment is not worthy of any kind of response! Your ignorance and disdain for public adjusters is clear. However, I will respond…
After I left the carrier, I ACTUALLY wentto work for one of the I/A firms located in Fort Lauderdale. But GUESS WHAT? They were as bad if not worse than the carrier! That is why I became a public adjuster. I became so discusted by the crap that the insurane companies and their people were putting these consumers through that I switched sides.
and let e tel you I do not regret it ONE BIT! YES… I make more money… but there is nothing better than receivng positive remarks from my clients when I get the favorable results.
I bet you cant say the same thing about our job! Misery loves company!
Public Adjusters have a role to play in the claims process. Just because company adjusters have had their way for years does not mean is fair. Would an insurer settle a claim based on what the insured said witout hiring an adjuster to review it? Why would anyone think an insured should engage a financial settlement against a pro without help?
Not every one or every claim needs a PA, but many do. Whats wrong with giving the insured a choice?
The problem i’ve seen here in LA is that rather than come in and offer a “second opinion” as to the extent of damages a PA comes in with a Power of Atty and assorted documents telling the company to include their name on any settlement check etc. Then they proceed to complicate the entire process. We do have some good ones (a few) but for the most part they tend to give the insured an idea that they will recover considerably more than offered (usually not)which causes problems between the insd and the company.
I don’t know about California but here in Florida WE DON’T GET PAID UNTIL THE INSURED GETS PAID!!!
So it does not make ANY sense for a PA to “complicate” a claim. In fact, it is in our client’s and our best interest to resolve the claim in the most expediotous manner possible.
A company adjuster ALWAYS has a paycheck waiting for them every two weeks or 15 days REGARDLESS of whatever happens. The only time they have to worry about their paychecks is when management finds out they paying to many claims.
You are not upset- are you FLORIDA adjuster? It is disgusted- not discusted.
Please stop bad mouthing the carriers and I/A’s (if in fact you ever worked for them). You fit the description of the unethical ambulance chaser that most inside adjusters like myself, have no respect for.
You have no respect for us because we MAKE YOU do the right thing! We make your life a miserable hell because we ask that you follow statutes and make sure that you cross your t’s and dot your I’s.
Bessides, most of you are all bitter old dogs that cant cut it asadjusters let aone working in the field as public adjusters.
See, in order to be a public adjuster, we are required, by law to know and be able to understand policy language. We are also required to have a surety bond, andwe also have to pass a stte examn.
For the most part, the only thing company adjusters such as your self are only required to barely know how to read and write your name because there is no thought process that is required to do your job. All you SIMPLY have to know how to do is click on a drop down menu of previously selected & approved denial reasons. Then, after delaying the investigation of the claim for a month or so because you ar so backed up with claim files, emails, and voice mails, you submit your file for review to an equally uneducated supervisor who approves your reason for denial.
So Camille, NO, I am not mad….I am very happy! I am president of a very succesful public adjusting and appraisal firm and make a great living doing what I have been doing since I was 18 years old… adjusting claims. Of course, I can sleep better at night now because I have the ability to REALLY help people in their time of need. Sure, I charge them a %fee for my services but at the end it is well worth it to them. Without the help of myself or another PA they would have been stiffed by an adjuster such as yourself. A simple employee that can do nothing more than just follow directions or they get fired.
Unfortnately it is sometimes difficult to properly type while workin on my ipad sitting by the poolside.
Forgive my gramatical error and failure to space words out properly… it is difficult to type on an Ipad while relaxing poolside drinking a Margarita on a SCORCHING HOT Tuesday!
Camille who you trying to impress? I was an IA for years and am now a PA. You and I both know that the insurance companies rip off there insured’s. C’mon , stop lying to yourself.
To Al and his PA cronies: something I said must have struck a nerve. Note I qualified my comments with “routine” property losses. With 40 years claims handling and senior management experience with regional and national insurance carriers, I know about good faith relationships and the overwhelming positive feedback from insured’s on their claims service. PA’s “invented” their service much like contingent fee personal injury attorneys. You insinuate carriers can’t be trusted and that PA’s are the saviors. A fair and equitable settlement has always been one that the insured and the carrier agree on. In the majority of “routine” losses, PA’s aren’t needed.
P.S. Al, your comments were ingnorant and personal. Keep monitoring those emergency calls and chasing those storms.
Jester… the reason PA and plaintif attorneys exist is because the carriers cannot be trusted to do right by their insured’s. It is clear in your statement….” A fair and equitable settlement has always been one that the insured and the carrier agree on”
Well I ask you… what makes the insured an EXPERT in insurance matters? Does the insured understand and know policy language? Do they know state statutes which could provide them with more coverage? Are they aware that there are certain time frames in which to respond to correspondence such as a proof of loss?
All claims ar different in nature and should be treated as such. Not even hurricane losses are routine. NO CLAIM IS ROUTINE!
But only an insurance companies high ranking cronie would saysuch a thing!
I am ok either way. If I do not work as a PA, I will work as a contractor. If I have a hard time as a contractor I will contact my UNEMPLOYED LAWYER FRIENDS who just graduated law school and have a $250k debt to repay and no job prospects. I will gladly share my CPCU, AIC and many other awesome insurance books with them. We will put our feet in the ass of “low ball” insurers!
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In the absence of coverage issues or the inability of the insured to communicate, PA’s offer little to no value on a routine claim for property damage. If a contractor agrees to repair the dwelling for amount of the claim settlement, the insured just lost the PA contingency fee of 1,500 – 2,000 which doesn’t put him back to pre-loss condition. The only hope is that the PA can inflate the repair costs to cover their fee.
I agree Jester. P/A’s are in it for the insureds/carrier’s money.
I disagree with opinion that PA offer no value to a claim for property damages when there a coverage issues does not exist.
The value we bring to the claim is that we force the carrier to pay the insured properly especially when the carrier under values a claim on a constant basis.
Prior to becoming a public adjuster, I use to work for a well known insurance company based here in Miami, FL. After the 2004-2005 storm seasons, they adopted a new claims handling practice which consisted of assigning claims to IA’s once the IA submitted their report, we as desk adjusters would re-write the estimate using an outdated SIMSOL database from 1999. After we re-wrote and re-priced the estimate, this carrier was saving an average of 3-7 thousand dollars PER CLAIM.
When we brought our concerns to management about this possibly being bad faith, we were told that they were saving so much money that should they be sued, they would have enough to pay their legal team to defend the case, pay for any settlements necessary, pay any fines, and they would still have millions left over.
Just because you might be the ONE GOOD COMPANY ADJUSTER out there do not fool yourself and thin k that your employer and other carriers truly have their insured’s best interest in mind because if you do you are sorely and unfortunately mistaken.
Further, the fact that a contractor “AGREES” to an amount offered by the insurance company to settle a claims does not mean that the home can be repaired for that amount. It simply means that perhaps that contractor underbid the repairs and will take less profit in an effort to get the job. This is more common in the current economic status we find ourselves in.
Agreed, PA’s are required.
“if a contractor agrees to rpair the dwellilng for amount of the claim settlement…” hopefully the homeowner will get the contractor to bid on the job before the settlement amount is ever discussed, IF IT IS EVER DISCUSSED. Their is NO NEED for the contractor to know the settlement amount. Get 3 bids and see if any of them come in at or below the settlement amount. If you let the contractor know the settlement amount in advance I GUARANTEE you just nailed the job estimate.
“If a contractor agrees to repair the dwelling for amount of the claim settlement” … why would you EVER tell the contractor the amount of the settlement? Get 3 bids to do the job and see if any come in around the amount you received from the company. If you let them know the amount you have in advance I GUARANTEE YOU JUST NAILED THE ESTIMATE. Often the contractor will ask what you got and ask to see the check… NONE OF THEIR BUSINESS, have them bid the job if they are interested in doing the work, $$$ unknown.
Barry Ward – aka DUMBASS.
Here is what I tell the policyholder when the insurance company adjuster tells him/her NOT to share the estimate with the contractor.
1. Who does that adjuster work for? Are YOU paying him? Duh… of course he/she works for the insurance company. The insurance company is NOT going to pay you more on your claim than it costs to restore your damaged property to its pre-loss condition.
2. There is a lot of work now. So if you want to wait for a very long time to get your damaged property restored then GOODBYE. I do not need you! Cause we are kicking ass due to all the storms. Everyone is making money!!!!!
3. Best of all I LOVE the 3 bids!!!! When insured is told to get 3 bids I get 4 bids.Travelers wants to pay $7k on the claim. I would do the work for $8500 and make 10% profit. But Travelers, Allstate, State Farm, etc… will NOT pay more. Here is how we solve that problem. We get bids!!! We give 4 bids. 1. Home Depot $12,500. 2. LOWES $11,000 Sears $13,000. 4. US – $10,000. Now we earn and extra $1500 because insurance company has DUMBASS EMPLOYEES.
Jester you are flat WRONG. I had extensive hail damage to my Roof , Siding , Windows , Screens and Porch. My insurance company said they would only replace the front half of my roof , only 1 side of siding the screens and would NOT repaint my chipped porch. The claim total was around $7,000.00 I could not get a roofer to do the roof for the money I was paid and siding guys didn’t want to look at such a small job. Window screens? YOU tell me where to buy those.
I hired a P.A. and 2 months later I had a new roof THE WHOLE ROOF , new siding THE WHOLE HOUSE new screens , and new paint on the porch. All of that after his fee. I think you are a criminal who works for the insurance cartel and you should be ashamed of what you do!! I almost got stuck with a mismatched roof , 2 tone siding and chipped up porch from a company I paid premiums to for 15 years. How is that fair?
Wow, really Chester!! Do you actually believe that on a regular basis the average insured is properly paid what they are entitled to on an insurance claim? Maybe we should just get ride of the insurance commissioners and regulators to, because it seems very apparent according to Chester that all insurance companies are honest and pay as they should. Next lets get rid of defense attorneys for criminal cases to, as with Chester’s way of thinking we can just count on the fact that the defendant will know all their rights and the persecutor will always be “Honest”.
What a joke, I am a public adjuster that used to be a contractor. While working a big storm in GA my company was taken for close to a half a million dollars based on the fact that we could not represent the clients and the insurance companies would walk all over them. In addition we lost hundreds and hundreds of jobs that had severe damage and yet the insurance company just simply denied.
After that I got so fed up with the way that the insurance companies treat the insured that I sold my construction company and started a public adjusting company to take them on. On a daily basis we handle claims that start as denied or maybe $300-400 without our service and end with $40-50,000 in damage that the insurance company just ignored. It is up to the insured to prove the claim and ask for the repair of everything that is damaged, of course they need someone that knows how to do that working for them.
A common situation I see is when a large hail and wind storm occurs at the same time and the insured calls in the claim themselves. They often say that they noticed missing shingles and thats why they called. When the adjuster comes to the property he calls the claim wind and offers a settlement to repair 2-3 missing shingles. Then he walks around the house and documents all of the hail damage that exists everywhere that he never mentions to the insured. The insured gets the shingles repaired and thinks that they are ok. Years later there roof starts to get huge blemishes and begins to fail. They call their insurance company and the insurance company say “Sorry this is old damage that isn’t covered anymore, it was here when we took these pictures four years ago, see” as they show the insured the old pictures. The new claim is denied, the insureds rates go up, and the insured ends up paying for the new roof that should have been covered to begin with. A roof that would have been covered had they called a good public adjuster in the beginning. Many insurance companies are honest but they all have dishonest people that work for them. I guess the same goes for PA’s and any other business though.
I use to be a public adjuster and I still can truly state that sometimes their is a real need for a good public adjuster. Far to many times policyholders don’t have a clue what they are entitled to during a claim and a good P.A. could aid in that process. Keep in mind I said a GOOD HONEST P.A.
I disagree with opinion that PA offer no value to a claim for property damages when there a coverage issues does not exist.
The value we bring to the claim is that we force the carrier to pay the insured properly especially when the carrier under values a claim on a constant basis.
Prior to becoming a public adjuster, I use to work for a well known insurance company based here in Miami, FL. After the 2004-2005 storm seasons, they adopted a new claims handling practice which consisted of assigning claims to IA’s once the IA submitted their report, we as desk adjusters would re-write the estimate using an outdated SIMSOL database from 1999. After we re-wrote and re-priced the estimate, this carrier was saving an average of 3-7 thousand dollars PER CLAIM.
When we brought our concerns to management about this possibly being bad faith, we were told that they were saving so much money that should they be sued, they would have enough to pay their legal team to defend the case, pay for any settlements necessary, pay any fines, and they would still have millions left over.
Just because you might be the ONE GOOD COMPANY ADJUSTER out there do not fool yourself and thin k that your employer and other carriers truly have their insured’s best interest in mind because if you do you are sorely and unfortunately mistaken.
Further, the fact that a contractor “AGREES” to an amount offered by the insurance company to settle a claims does not mean that the home can be repaired for that amount. It simply means that perhaps that contractor underbid the repairs and will take less profit in an effort to get the job. This is more common in the current economic status we find ourselves in.
I was wondering when you were going to pop up again with your ridiculous comments. Jester….or shall i say, ?
You wish you had the ability to be a public adjuster. what everyone doesn’t know is that you failed at your attempt at being a successful pa so you decided to get a job working for an insurance carrier. We all knew who you are and you’re pathetic.
Wow…A good ethical inside adjuster working for a bad, bad Carrier in Florida decides to become (out of all the good jobs in the insurance field)… A Public Adjuster.
This one’s for Ripley..
your comment is not worthy of any kind of response! Your ignorance and disdain for public adjusters is clear. However, I will respond…
After I left the carrier, I ACTUALLY wentto work for one of the I/A firms located in Fort Lauderdale. But GUESS WHAT? They were as bad if not worse than the carrier! That is why I became a public adjuster. I became so discusted by the crap that the insurane companies and their people were putting these consumers through that I switched sides.
and let e tel you I do not regret it ONE BIT! YES… I make more money… but there is nothing better than receivng positive remarks from my clients when I get the favorable results.
I bet you cant say the same thing about our job! Misery loves company!
Public Adjusters have a role to play in the claims process. Just because company adjusters have had their way for years does not mean is fair. Would an insurer settle a claim based on what the insured said witout hiring an adjuster to review it? Why would anyone think an insured should engage a financial settlement against a pro without help?
Not every one or every claim needs a PA, but many do. Whats wrong with giving the insured a choice?
The problem i’ve seen here in LA is that rather than come in and offer a “second opinion” as to the extent of damages a PA comes in with a Power of Atty and assorted documents telling the company to include their name on any settlement check etc. Then they proceed to complicate the entire process. We do have some good ones (a few) but for the most part they tend to give the insured an idea that they will recover considerably more than offered (usually not)which causes problems between the insd and the company.
I don’t know about California but here in Florida WE DON’T GET PAID UNTIL THE INSURED GETS PAID!!!
So it does not make ANY sense for a PA to “complicate” a claim. In fact, it is in our client’s and our best interest to resolve the claim in the most expediotous manner possible.
A company adjuster ALWAYS has a paycheck waiting for them every two weeks or 15 days REGARDLESS of whatever happens. The only time they have to worry about their paychecks is when management finds out they paying to many claims.
Not true , do your research. The P.A. doesn’t get paid until the claimant does. Why would he slow it up?
You are not upset- are you FLORIDA adjuster? It is disgusted- not discusted.
Please stop bad mouthing the carriers and I/A’s (if in fact you ever worked for them). You fit the description of the unethical ambulance chaser that most inside adjusters like myself, have no respect for.
Thank you for proving my point.
Camille advances her career on her knees. Now that you are getting older and more unattractive how do you plan to advance your career?
You have no respect for us because we MAKE YOU do the right thing! We make your life a miserable hell because we ask that you follow statutes and make sure that you cross your t’s and dot your I’s.
Bessides, most of you are all bitter old dogs that cant cut it asadjusters let aone working in the field as public adjusters.
See, in order to be a public adjuster, we are required, by law to know and be able to understand policy language. We are also required to have a surety bond, andwe also have to pass a stte examn.
For the most part, the only thing company adjusters such as your self are only required to barely know how to read and write your name because there is no thought process that is required to do your job. All you SIMPLY have to know how to do is click on a drop down menu of previously selected & approved denial reasons. Then, after delaying the investigation of the claim for a month or so because you ar so backed up with claim files, emails, and voice mails, you submit your file for review to an equally uneducated supervisor who approves your reason for denial.
So Camille, NO, I am not mad….I am very happy! I am president of a very succesful public adjusting and appraisal firm and make a great living doing what I have been doing since I was 18 years old… adjusting claims. Of course, I can sleep better at night now because I have the ability to REALLY help people in their time of need. Sure, I charge them a %fee for my services but at the end it is well worth it to them. Without the help of myself or another PA they would have been stiffed by an adjuster such as yourself. A simple employee that can do nothing more than just follow directions or they get fired.
Unfortnately it is sometimes difficult to properly type while workin on my ipad sitting by the poolside.
P.S.
Forgive my gramatical error and failure to space words out properly… it is difficult to type on an Ipad while relaxing poolside drinking a Margarita on a SCORCHING HOT Tuesday!
Camille who you trying to impress? I was an IA for years and am now a PA. You and I both know that the insurance companies rip off there insured’s. C’mon , stop lying to yourself.
To Al and his PA cronies: something I said must have struck a nerve. Note I qualified my comments with “routine” property losses. With 40 years claims handling and senior management experience with regional and national insurance carriers, I know about good faith relationships and the overwhelming positive feedback from insured’s on their claims service. PA’s “invented” their service much like contingent fee personal injury attorneys. You insinuate carriers can’t be trusted and that PA’s are the saviors. A fair and equitable settlement has always been one that the insured and the carrier agree on. In the majority of “routine” losses, PA’s aren’t needed.
P.S. Al, your comments were ingnorant and personal. Keep monitoring those emergency calls and chasing those storms.
Jester… the reason PA and plaintif attorneys exist is because the carriers cannot be trusted to do right by their insured’s. It is clear in your statement….” A fair and equitable settlement has always been one that the insured and the carrier agree on”
Well I ask you… what makes the insured an EXPERT in insurance matters? Does the insured understand and know policy language? Do they know state statutes which could provide them with more coverage? Are they aware that there are certain time frames in which to respond to correspondence such as a proof of loss?
All claims ar different in nature and should be treated as such. Not even hurricane losses are routine. NO CLAIM IS ROUTINE!
But only an insurance companies high ranking cronie would saysuch a thing!
Jester,
I am ok either way. If I do not work as a PA, I will work as a contractor. If I have a hard time as a contractor I will contact my UNEMPLOYED LAWYER FRIENDS who just graduated law school and have a $250k debt to repay and no job prospects. I will gladly share my CPCU, AIC and many other awesome insurance books with them. We will put our feet in the ass of “low ball” insurers!