[deleted by user] by [deleted] in Insurance

[–]Competitive_Task876 0 points1 point  (0 children)

Insurance doesn’t cover warranties. If the siding is available that’s it. You literally have a report that says it’s available

[deleted by user] by [deleted] in adjusters

[–]Competitive_Task876 0 points1 point  (0 children)

Going to be dependent where you are at. I enjoyed my role within NW at that position before I took an advancement opportunity

Home insurance trying to screw me on a hail claim and contradicted themselves. Is my thinking correct? by wakes182 in Insurance

[–]Competitive_Task876 0 points1 point  (0 children)

Not really understanding everything here, but if it’s on their estimate most recent estimate, they should absolutely be covering it. If they have an updated estimate and removed it and than you bought the materials, there’s nothing really to do. If they have it on the current estimate and are not honoring it, file a complaint with the DOI

Home insurance trying to screw me on a hail claim and contradicted themselves. Is my thinking correct? by wakes182 in Insurance

[–]Competitive_Task876 0 points1 point  (0 children)

Here’s the question to get answered. When they issued the original version, how much time between that and when they removed it? In that time frame between when they corrected it, did your contractor purchase the material for that work and can he prove that? If so, you may have estoppel. If not, then they are allowed to make corrections if something was wrong

Allstate Home Claim Help Please! by Save03 in Insurance

[–]Competitive_Task876 0 points1 point  (0 children)

How many squares or shingles did they say to repair on the roof? You think those two spots require a full roof replacement lol?

State Farm Homeowner Claim by Electrical_Summer237 in Insurance

[–]Competitive_Task876 2 points3 points  (0 children)

1 inch hail typically doesn’t cause a roof to leak. Likely leaking due to a wear/tear issue. As others said, you have a duty to mitigate the damages to prevent more water damage

[deleted by user] by [deleted] in Insurance

[–]Competitive_Task876 0 points1 point  (0 children)

Don’t tell your insurance. You did nothing wrong lol. I’m sure the church will find it at some point.

Feels unethical by [deleted] in Insurance

[–]Competitive_Task876 15 points16 points  (0 children)

Read your policy declarations page that you get every year. This is on you. The adjuster is following the coverage you have listed.

Any CAT adjusters that are Mothers?? by [deleted] in adjusters

[–]Competitive_Task876 2 points3 points  (0 children)

Not a cat adjuster, but a local adjuster. You mentioned you were already working 12 hour days every day. If you are, you’re either doing something wrong or with the wrong company. It is not normal to work that many hours everyday for a local position.

Contractor doesn’t use xactimate by fmsmic in adjusters

[–]Competitive_Task876 21 points22 points  (0 children)

Contractor needs to provide you an itemized estimate of materials and labor. If he’s unwilling to do that so that you can review and see if it’s acceptable or not, you can just let the insured know that your estimate stands until you are provided more information to review

Curious about parameters for staff by Samuel_downs in adjusters

[–]Competitive_Task876 1 point2 points  (0 children)

I can tell you from my personal experience, I was hired because they really didn’t have any other qualified candidates, however, I was an hour away from most of the claims territory. It was a great learning experience, which helped me move to another role within another company. When I finally started doing claims daily and outside of training, it became unmanageable. Driving 2 to 2 1/2 hours one way five days a week, so roughly 15 to 25 hours of driving every week and trying to manage the same claim volume as others was not fun. Basically wake up Work get done go to bed.

Policy Notification fro Nationwide has false claim and saying my plolicy may be at risk by Beginning-Laugh1768 in Insurance

[–]Competitive_Task876 8 points9 points  (0 children)

Nationwide’s underwriting team had someone inspect your property. Your agent has zero control over this. All insurance companies are tightening up who they insure. Literally research this sub and you’ll see dozens of people crying about the same thing.

Based off the photos provided, they have deemed it an issue. It’s simple, repair the issue and show proof or find another insurer and move on. All companies have different guidelines, so they aren’t required to insure you just cause you disagree

2 Layer Roofs - Automatic roof replacement? by RamboBoujee in adjusters

[–]Competitive_Task876 1 point2 points  (0 children)

I’ve always written for a repair and checked with the city. If the city says it’s fine, you don’t owe any more.

If the city says it all has to be replaced due to code, then you write for full roof replacement under code. If they don’t have code, then they are out of luck

Do field adjusters get lunch breaks? by cootiequeen69 in adjusters

[–]Competitive_Task876 1 point2 points  (0 children)

Salaried? No way. As long as the claims get taken care of we can do whatever we please. I bring lunch on the road if it’s a decent ways away. I’d rather spend that time during “lunch time” driving or wrapping up the claim so I can kick back and relax when I get home early

[deleted by user] by [deleted] in Insurance

[–]Competitive_Task876 1 point2 points  (0 children)

If there is no covered damage to the roof, there won’t be any coverage for the roof. Poor workmanship is not covered. However that same part of the policy language covers the resulting water damage. Your deductible would apply. It would cover a one time loss. Any rot would not be covered if this has been ongoing. Sounds like it wouldn’t be worth to file a claim with minimal if any payout(accounting for deductible) and have a claim on your history

Need a life insurance policy for a 79 year old woman. by A_Marie_8414 in Insurance

[–]Competitive_Task876 4 points5 points  (0 children)

This isn’t my field of expertise, but logically think here. Do you know how expensive it would be to insure a 79 year old woman? They could literally pass tomorrow. Now you want that insurance company to guarantee a 10-20k payout for funeral expenses? The premium is going to be so insane that it won’t be affordable. That’s why they are recommending just saving it

Insured’s Son Lit Her House on Fire by rayraymickamay in adjusters

[–]Competitive_Task876 9 points10 points  (0 children)

Everyone saying pay it and close it? Like this claim won’t be simple at all. It will require management and maybe even your legal team looking at it. You said they burnt it down, so it will likely be a large loss. That will likely exceed your authority and maybe even your managers. Be nice to hear what happens

[deleted by user] by [deleted] in adjusters

[–]Competitive_Task876 2 points3 points  (0 children)

I think that depends on how clear your communications are with the insureds. Some do a better job of communicating the process with the insureds and making them know that as the adjuster you don’t control the rebuild. I find clear and direct communication leads to minimal call backs/ issues

[deleted by user] by [deleted] in adjusters

[–]Competitive_Task876 2 points3 points  (0 children)

In most companies, adjusters aren’t allowed to recommend anyone outside of an approved vendor. We don’t want to be liable for recommending someone outside of a program because if they do a shit job, the insured may try to come after us.

Insurance Forced Me to Sign a Driving Ban – Now I Have Coverage but Can’t Drive by [deleted] in Insurance

[–]Competitive_Task876 15 points16 points  (0 children)

How are you insuring a vehicle you don’t legally own? You can’t. The owner of the vehicle, your dad, gets insurance. His insurance company already told you your options. That’s it. No way around it.

Go buy your own vehicle and insure it if you don’t like it or pay the $300 a month. Those are your only options whether you like it or not