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".
A friend of his recently saw our flood ads (see ad) addressing this very point and advised him to immediately call a New Jersey Public Adjuster.
We went down there and upon entrance were greeted 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?
New Jersey Public Adjuster Tip:
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
I keep telling you. It pays to use a New Jersey Public Adjuster!
Henry
http://www.newjerseypublicadjusters.net/
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".
A friend of his recently saw our flood ads (see ad) addressing this very point and advised him to immediately call a New Jersey Public Adjuster.
We went down there and upon entrance were greeted 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?
New Jersey Public Adjuster Tip:
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
I keep telling you. It pays to use a New Jersey Public Adjuster!
Henry
http://www.newjerseypublicadjusters.net/
Labels: flood, New Jersey Public Insurance Adjuster, overflow, water damage
posted by Henry - NJ Public Adjuster at
12:14 PM
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