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Wednesday, May 21, 2008
Never use the "F" word advises NJ Public Adjuster...Case file #2
A fellow called up his insurance company claiming that he had a flood and
can they take a look at it? The response was "We're sorry but you have no coverage for flood". We went down there and upon entrance were hit by a musty smell reminiscent of a nasty dark mildewy unfinished
basement. You know, the type of smell that hits you when you open an ancient Bible that your grandmother inherited and kept
it in an old bookcase in the attic. We discovered that his air conditioner's condensation pipe was clogged and as
a result it overflowed with water that seeped under the carpets and tiled kitchen floors. The underlying plywood was soaked
through and started emitting a musty smell. It tested positive for mold. Worse, the actual insulation of the unit became moldy
and every time the air conditioner was blowing it pumped a mildewy smell throughout the home. Not exactly the aroma his
tenants were searching for when hosting their daughter's graduation party. Needless to say, they left. So
this landlord is becoming frantic by the day. No tenants to cover his mortgage and no money to fix up this mess. Or so he
thought. New Jersey Public Adjusters took on this claim and presented it to the insurance company - not as a flood claim - but rather as a water overflow
claim. It was quickly discovered that he did indeed have coverage for this type of loss. You see, while it is true that he
had no flood coverage, this is not considered a flood. A flood from an insurance company's point of view, is only once
water hits the ground before entering the property. In this case the water came from an overflow of a pipe
within the property itself. He sure was covered. Pretty sneaky of the insurance company wasn't it? Sadly, this is NOT
an isolated incident. Who knows how many people were cheated out of their settlement to which they were rightfully entitiled
by such tacticts. A piece of advice: Never use the "F" word with an insurance company. In
short, we negotiated a settlement of $18,671 to cover all the damage caused by this incident. This included
removing the kitchen, taking up the tile & carpet, replacing the subfloor in the kitchen and the main area, replacing
the carpet & ceramic tile, re-installing the kitchen, repairing the unit, cleaning the vents and ductwork etc. Our client
was very grateful. He was able to repair the home and finally get a new tenant in there!
So let's see:
Insurance Company offered: | $0.00 | Frank Adjustments got: | $18,671 | Difference: | $18,671 |
Henry
Monday, May 19, 2008
Helping with a Sewer Backup. Yech!Hi people!
Case file #1
About two months ago, we were called down to inspect this poor individual's basement. Apparently, early in
the morning the main sewer pipe got clogged in the street and as a result, raw sewage and black water erupted
out of his beautifully finished basement's toilets and bathtub/shower drains. Now we are talking about the real deal
here. Goodness gracious, what have people been eating in this neighborhood?
Needless to say, his carpets were
saturated with the stuff and ruined. The bottom of the kitchen cabinets were warped, his drywall areas were saturated with
black water and needed to be replaced and a lovely odor could be detected which rivaled a herd of flatulent rhinos.
The insurance company adjuster came down, sniffed with flared nostrils and said, "ah, nothing a good cleaning crew
can't remediate".
A good cleaning crew?
We are talking about piles of human feces littering
the play area of this unfortunate's children, saturating the carpets and the underlying pad. This is DANGEROUS stuff!
There have been known traces of E. Coli bacteria in raw sewage as well as Salmonella, Hepatitis and even Cholera!
The insurance company offered $3,600 toward cleanup and a few other items and that was it.
Frank Adjustments took the case and negotiated a much more reasonable settlement for the fellow. We got them $9,700 for the
damage which took care of all his repair needs. He removed all the carpets and infected drywall, remediated the area with
microbials and replaced the carpet and drywall to his and his family's satisfaction.
That's nearly 270%
more than the original offer!
It pays to hire a New Jersey Public Adjuster.
One last note I'd like to offer if I may. Many people have called us down for sewer backup issues whom we
were unable to help - DUE TO LACK OF COVERAGE! Make sure to read your policy or have your agent look it over. Determine whether
sewer backup is excluded from your coverage. If it is - get it back on! It costs only an additional few
dollars in premiums but it can really make a huge difference when something like this occurs.
Henry
www.NewJerseyPublicAdjusters.net
5:28 pm est
New Jersey Public Adjusters - Frank Adjustments new blog!Hi people!
I decided to start documenting the ongoing help a public adjuster gives to insureds in order
to educate the teeming masses out there of the help available to them should damage occur.
A Public Insurance Adjuster is a Licensed and Bonded expert on loss adjustment and the recovery process and
is employed by the policyholder not the insurance company. The Public Adjuster assists you, the insured, with his
intimate knowledge of insurance policies and negotiation techniques, in preparing, filing and managing the payment of
insurance claims regarding property loss. He works on your behalf.
Many people are simply unaware that the
use of a New Jersey Public Adjuster can SUPERSIZE their settlement by 250% even after their fees are deducted.
The
purpose of this blog is to document this fact and to show people how we help people maximize their claims on a daily basis
and how you too can avail yourself of this service!
We'll start with the previous case studies and continue
with the current ones as they come up!
Glad you can be with us!
Henry NewJerseyPublicAdjusters.net
12:08 pm est
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