I don’t know sho is worse, the greedy lawyer who is just looking for money (and not the consumer advocate champion he portrays himself to be) or the greedy insurance company who has downsized so many of the quality adjusters and got rid of the stupid agents in favor o f the less expensive “800” number (for faster customer service, not better) or worse yet the dreaded “internet”, where there is nohuman interaction at all.
The money saved by the insurance company in staff reductions, even though our staffing models said we needed more staff, is going out the back door in payments to settle these type BS suits. The claimant will be lucky to see any money, at most 35% after costs and fees. But, you can bet the policyholder will be paying 100% of the new increased premiums. And…it starts all over again…….to be continued.
Insurance is a negative business and one I am not really happy to be a part of. I am an adjuster and see so much wrong the the system. Most agents do not have a clue about what exactly is covered under the policies they are selling. State Farm agents of old were people from the community that did not have any insurance background but wanted to be an agent and were given an agency. State Farm now requires new agents to be from within the company. You have to go through a grueling interview and education process before you are given the opportunity to own an agency. This is good because you are better able to educate the consumer about what is covered and what you are selling. There are consumers that come in and ask for the “cheapest” coverage not realizing that sometimes for just a few dollars more they have better coverage and peace of mind.
Flood insurance is very affordable when you live in a non flood zone area. I live in a non flood zone area and pay very little compared to someone that lives in a flood zone. I live in Florida and feel that most of Florida is swamp or coastal so it is a good idea even if it is not a flood zone to buy flood insurance.
Insurance companies for the most part are the devil. They charge premiums but when it comes time to pay they look for ways to not. Take depreciation for example – adjusters hold back depreciation with the expectation that insureds will not come back for it and studies have shown that only 30 percent of the policyholder come back for the depreciation or understand how to. It is just another way for insurance companies to not pay for what they owe. Also, when a premium is due the insurance company will send a notice and cancel you if you don’t pay within the alloted time, but if you file a claim and it takes the insurance company 2 months to do the inspection there is no penalty. There is certainly something wrong with the system. I am a homeowner and if I had a claim I would expect someone out there in a timely manner not 2 months later. Also, you can have an inspection done and then the file get reassigned to someone else and you start all over again. I think there should be a penalty or something against insurance companies that allow this to happen.
The entire insurance industry is twisted and wrong. I love to hear when an attorney sues and wins big because of the bad behavior of the insurance company. There isn’t one better than the other – THEY ALL SUCK!
We need more attorneys and public adjusters to hold insurance companies accountable.
Lisa.. Just curious to know what you have done as an adjuster: have you tried to get involved in changing things if the insurance companies are so bad and further more are you a public adjuster or work for a company. You sound like the people who complain about the government or politics but dont vote to try to make a change. Have you taken any action towards an insurance company if you have seen so much wrong doing? If you have then I applaude you but if not then dont critize something you take part in everyday.
Amen to this attorney! Insurance companies are out of control with not paying claims or not educating their consumers about what is covered. I have talked the agents that have no idea what is even covered under the policies they sell. We need more attorneys and public adjusters helping consumers get what is rightfully covered and not be undercut or denied on their claims. USAA is a terrible company. I had a claim for a shower pan that failed and caused damage to the lower floor of my townhouse. I understood the shower pan was not covered, but the damage resulting from the shower pan failure was. USAA sent out a “handyman” and then an engineer to deny the claim. I had to fight and 10 months later they paid approximately $4500. They spent that much on the “experts” trying to deny the claim. Sad but true!
I don’t think that you should have even been paid for the damages from the shower pan because in my opinion that really was a maintanence issue. What caused it to fall? I feel that consumers should take a class in what a homeowners policy covers because in all honesty I feel as 90% of all of you are either dumb or conveniently naive when need be. As for PUBLIC ADJUSTERS HA!!! Do you have any clue in how they really make their money? They are not interested in resolving your matter because they know the more they get out of the company the more they make which is usually no less than 10% of the claim. It is so easy to always blame someone else for your lack of asking questions or assuming that the responsibilities belong to someone else when in all reality it is YOUR responsibilities to know what you need and want. I for one do educate the consumer as an agent and many times this is what the consumer(s) says I just want the cheapest insurance until they have a loss.Then all of sudden everything changes. Oh yeah, dont complain when homeowners policies rate go up. It amazes me, I am 30 yrs old and for the 12 years I have handled my own insurance policy and have always asked questions if I didnt understand or didnt know what I had. People PLEASE grow up and take responsibilities for your needs and lack of.
I don’t think that you should have even been paid for the damages from the shower pan because in my opinion that really was a maintanence issue. What caused it to fall? I feel that consumers should take a class in what a homeowners policy covers because in all honesty I feel as 90% of all of you are either dumb or conveniently naive when need be. As for PUBLIC ADJUSTERS HA!!! Do you have any clue in how they really make their money? They are not interested in resolving your matter because they know the more they get out of the company the more they make which is usually no less than 10% of the claim. It is so easy to always blame someone else for your lack of asking questions or assuming that the responsibilities belong to someone else when in all reality it is YOUR responsibilities to know what you need and want. I for one do educate the consumer as an agent and many times this is what the consumer(s) says I just want the cheapest insurance until they have a loss.Then all of sudden everything changes. Oh yeah, dont complain when homeowners policies rate go up. It amazes me, I am 30 yrs old and for the 12 years I have handled my own insurance policy and have always asked questions if I didnt understand or didnt know what I had. People PLEASE grow up and take responsibilities for your needs and lack of.
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.
I don’t know sho is worse, the greedy lawyer who is just looking for money (and not the consumer advocate champion he portrays himself to be) or the greedy insurance company who has downsized so many of the quality adjusters and got rid of the stupid agents in favor o f the less expensive “800” number (for faster customer service, not better) or worse yet the dreaded “internet”, where there is nohuman interaction at all.
The money saved by the insurance company in staff reductions, even though our staffing models said we needed more staff, is going out the back door in payments to settle these type BS suits. The claimant will be lucky to see any money, at most 35% after costs and fees. But, you can bet the policyholder will be paying 100% of the new increased premiums. And…it starts all over again…….to be continued.
I agree with Old Cat Man 100%……From what I heard, USAA is not the same on the claims end as it used to be……
Insurance is a negative business and one I am not really happy to be a part of. I am an adjuster and see so much wrong the the system. Most agents do not have a clue about what exactly is covered under the policies they are selling. State Farm agents of old were people from the community that did not have any insurance background but wanted to be an agent and were given an agency. State Farm now requires new agents to be from within the company. You have to go through a grueling interview and education process before you are given the opportunity to own an agency. This is good because you are better able to educate the consumer about what is covered and what you are selling. There are consumers that come in and ask for the “cheapest” coverage not realizing that sometimes for just a few dollars more they have better coverage and peace of mind.
Flood insurance is very affordable when you live in a non flood zone area. I live in a non flood zone area and pay very little compared to someone that lives in a flood zone. I live in Florida and feel that most of Florida is swamp or coastal so it is a good idea even if it is not a flood zone to buy flood insurance.
Insurance companies for the most part are the devil. They charge premiums but when it comes time to pay they look for ways to not. Take depreciation for example – adjusters hold back depreciation with the expectation that insureds will not come back for it and studies have shown that only 30 percent of the policyholder come back for the depreciation or understand how to. It is just another way for insurance companies to not pay for what they owe. Also, when a premium is due the insurance company will send a notice and cancel you if you don’t pay within the alloted time, but if you file a claim and it takes the insurance company 2 months to do the inspection there is no penalty. There is certainly something wrong with the system. I am a homeowner and if I had a claim I would expect someone out there in a timely manner not 2 months later. Also, you can have an inspection done and then the file get reassigned to someone else and you start all over again. I think there should be a penalty or something against insurance companies that allow this to happen.
The entire insurance industry is twisted and wrong. I love to hear when an attorney sues and wins big because of the bad behavior of the insurance company. There isn’t one better than the other – THEY ALL SUCK!
We need more attorneys and public adjusters to hold insurance companies accountable.
Lisa.. Just curious to know what you have done as an adjuster: have you tried to get involved in changing things if the insurance companies are so bad and further more are you a public adjuster or work for a company. You sound like the people who complain about the government or politics but dont vote to try to make a change. Have you taken any action towards an insurance company if you have seen so much wrong doing? If you have then I applaude you but if not then dont critize something you take part in everyday.
Amen to this attorney! Insurance companies are out of control with not paying claims or not educating their consumers about what is covered. I have talked the agents that have no idea what is even covered under the policies they sell. We need more attorneys and public adjusters helping consumers get what is rightfully covered and not be undercut or denied on their claims. USAA is a terrible company. I had a claim for a shower pan that failed and caused damage to the lower floor of my townhouse. I understood the shower pan was not covered, but the damage resulting from the shower pan failure was. USAA sent out a “handyman” and then an engineer to deny the claim. I had to fight and 10 months later they paid approximately $4500. They spent that much on the “experts” trying to deny the claim. Sad but true!
I don’t think that you should have even been paid for the damages from the shower pan because in my opinion that really was a maintanence issue. What caused it to fall? I feel that consumers should take a class in what a homeowners policy covers because in all honesty I feel as 90% of all of you are either dumb or conveniently naive when need be. As for PUBLIC ADJUSTERS HA!!! Do you have any clue in how they really make their money? They are not interested in resolving your matter because they know the more they get out of the company the more they make which is usually no less than 10% of the claim. It is so easy to always blame someone else for your lack of asking questions or assuming that the responsibilities belong to someone else when in all reality it is YOUR responsibilities to know what you need and want. I for one do educate the consumer as an agent and many times this is what the consumer(s) says I just want the cheapest insurance until they have a loss.Then all of sudden everything changes. Oh yeah, dont complain when homeowners policies rate go up. It amazes me, I am 30 yrs old and for the 12 years I have handled my own insurance policy and have always asked questions if I didnt understand or didnt know what I had. People PLEASE grow up and take responsibilities for your needs and lack of.
I don’t think that you should have even been paid for the damages from the shower pan because in my opinion that really was a maintanence issue. What caused it to fall? I feel that consumers should take a class in what a homeowners policy covers because in all honesty I feel as 90% of all of you are either dumb or conveniently naive when need be. As for PUBLIC ADJUSTERS HA!!! Do you have any clue in how they really make their money? They are not interested in resolving your matter because they know the more they get out of the company the more they make which is usually no less than 10% of the claim. It is so easy to always blame someone else for your lack of asking questions or assuming that the responsibilities belong to someone else when in all reality it is YOUR responsibilities to know what you need and want. I for one do educate the consumer as an agent and many times this is what the consumer(s) says I just want the cheapest insurance until they have a loss.Then all of sudden everything changes. Oh yeah, dont complain when homeowners policies rate go up. It amazes me, I am 30 yrs old and for the 12 years I have handled my own insurance policy and have always asked questions if I didnt understand or didnt know what I had. People PLEASE grow up and take responsibilities for your needs and lack of.
I can only hope that USAA can produce a signed rejection of flood coverage form from Bearman’s client. Stick that feather in your cap Bearman.
Agents, don’t let yourselves become the next Bearman victim, get signed rejection of coverage forms.
What do you call 50 lawyers at the bottom of the ocean?
A good start!
WHAT DO YOU CALL A GROUP OF ATTORNEYS THAT SKYDIVE??? SKEET…… :)
What is the difference between a catfish and a lawyer.
One is a bottom feeding scumsucker and the other is a fish.