Helping Insured with a Sewer Backup. Blech!
Hi people!
Case file #1
About two m
onths 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!
So let's see:
Insurance Company offered: $3,600
Frank Adjustments got: $9,700
Difference: $6,100
I keep telling everyone. It pays to hire a New Jersey Public Adjuster.
New Jersey Public Adjuster TIP:
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.
Case file #1
About two m
onths 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!
So let's see:
Insurance Company offered: $3,600
Frank Adjustments got: $9,700
Difference: $6,100
I keep telling everyone. It pays to hire a New Jersey Public Adjuster.
New Jersey Public Adjuster TIP:
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.
Labels: Public Adjuster, Sewer Backup
posted by Henry - NJ Public Adjuster at
8:21 PM
1 Comments
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