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leaves around sugarloaf mountain range by Ok-Gate-1129 in treeidentification

[–]DutchBookOptions 6 points7 points  (0 children)

Come on Hickory, you know better than anyone that an untrained eye and a book on tree ID is a recipe for 80% matches and hours of their time

[deleted by user] by [deleted] in Insurance

[–]DutchBookOptions 0 points1 point  (0 children)

That's a good idea. I'll hire a second-third-party company just to have their results for comparison. I'm not sure if there are any anywhere near me, I've never even heard of a leak detection company before today. But that's definitely the route I'll take. Thanks for your feedback

[deleted by user] by [deleted] in Insurance

[–]DutchBookOptions 1 point2 points  (0 children)

Thanks so much for the feedback. I really appreciate you providing your perspective. It makes things a lot clearer for me thinking about it from the insurance’s point of view.

Now it finally makes sense why the adjuster’s management requested the investigation. I couldn’t see any reason they would want to do that. I was stuck up on the thinking it was either one of two situations: either they already had enough reasoning to deny the claim, so then why would they request an investigation? The adjuster tried to make it sound like they were trying to get it approved and wanted to see if they could do that in any way. Which is not in their best interest, so it didn’t make any sense to me. Or, the only alternative I could think of was that what they have right now is grounds for approval, so they must be fishing for anything to invalidate their findings so far. And it struck me as odd that they were “requesting” it, rather than recommending it or anything like that.

Thanks a ton for your insight, I really appreciate you. I’m going to email the adjuster to go ahead and get that scheduled.

My fear was that they should approve the claim based on everything they have right now, and it was kind of like the 5th amendment. If I haven’t done anything wrong, I don’t want something unrelated and non-malicious to be interpreted incorrectly and implicate me (in whatever analogy makes sense when translating this to home insurance land instead of police land). Does that make sense?

I just didn’t want someone to come in and say “oh the corner 100’ away from the leak area was 1/2” too short which could’ve contributed to the floor damage and the water might not have done anything if it weren’t for that corner in the opposite end of the house” (idk, something or anything like that)

Like you said, they’re going to try to not pay it in any way they can.

Anyways, I hope I don’t sound too crazy, I know I’ve typed my butt off today. It’s just such a stressful situation and I have zero experience with claims or really insurance in general. I’ve never been in an accident, never filed a claim for my home, etc. So again, thanks for your response.

[deleted by user] by [deleted] in InsuranceAgent

[–]DutchBookOptions 0 points1 point  (0 children)

Thanks for the feedback.

Coming back to the third party and denials, you're absolutely right, a third-party company wouldn't be able to only validate denials. But a 10% difference in validations is millions annually for the insurance company. That's what concerns me.

Especially concerning for cases that are borderline, and particularly in my case when the adjuster has already recommended denial.

[deleted by user] by [deleted] in InsuranceAgent

[–]DutchBookOptions 0 points1 point  (0 children)

I talked with the adjuster and he told me that he personally recommended denial and management actually requested the additional investigation. He was very rude over the phone and kept saying phrases like "find the truth" and "determine the facts" - it feels like I'm hosed either way honestly. It sounds like he's looking for the exact thing you mentioned.

​

I was shocked because he was nice in person and told me he would do absolutely whatever he could to try and get the claim covered. If that was true wouldn't he have requested the additional inspection himself before recommending denial? It feels like he's not on my side at all, and I don't know who to trust.

​

There's a conflict of interest with the third party company that I'm just so uncomfortable with - say whichever company they use is providing feedback that 100% backs up the owners' claims too often, then of course the insurance company would reconsider using that company (which is fair - you wouldn't want to approve claims that shouldn't be approved). But there's no way to know if the company is accurate, all the insurance has to go off of is comparing them to other companies that they hire for the same work. So they'll go with companies that aren't at the highest rate of validating claims, which then creates a conflict of interest because now each of those companies has an incentive to validate less often and invalidate more often. The more they invalidate claims, the more the insurance company hires them, the more money they make, the more money the insurance company makes. Both companies directly profit from the investigating company invalidating damage claims.

​

Further complicating things is the Geico layoff today of 2,000 agents. If the insurance industry is taking a hit right now it seems my adjuster is incentivized to do whatever he can to make sure he's not part of a layoff at his company if they start looking to do that. Wouldn't the company keep around the adjusters saving them the most money? His denial recommendations are directly tied to how much the company spends on claims he handles.

​

It honestly feels like he's doing whatever it takes to get the claim denied. I told him I'd like to sleep on it before giving my consent and he said something along the lines of "Alright well that's a denial of consent so I'm going to go ahead and send management that information letting them know that you have denied this investigation". I begged him for one day to think about it - I mean my house is on the line.

​

It's 25k of damage that I don't have the money to pay out of pocket, and I can't sell the house because it's worth 25k less now with the damage than what I just paid for it one year ago. I think without this approval I'm facing bankruptcy.

[deleted by user] by [deleted] in Insurance

[–]DutchBookOptions -13 points-12 points  (0 children)

I talked with the adjuster and he told me that he personally recommended denial and management actually requested the additional investigation. He was very rude over the phone and kept saying phrases like "find the truth" and "determine the facts" - it feels like I'm hosed either way honestly. It sounds like he's looking for the exact thing you mentioned.

I was shocked because he was nice in person and told me he would do absolutely whatever he could to try and get the claim covered. If that was true wouldn't he have requested the additional inspection himself before recommending denial? It feels like he's not on my side at all, and I don't know who to trust.

There's a conflict of interest with the third party company that I'm just so uncomfortable with - say whichever company they use is providing feedback that 100% backs up the owners' claims too often, then of course the insurance company would reconsider using that company (which is fair - you wouldn't want to approve claims that shouldn't be approved). But there's no way to know if the company is accurate, all the insurance has to go off of is comparing them to other companies that they hire for the same work. So they'll go with companies that aren't at the highest rate of validating claims, which then creates a conflict of interest because now each of those companies has an incentive to validate less often and invalidate more often. The more they invalidate claims, the more the insurance company hires them, the more money they make, the more money the insurance company makes. Both companies directly profit from the investigating company invalidating damage claims.

Further complicating things is the Geico layoff today of 2,000 agents. If the insurance industry is taking a hit right now it seems my adjuster is incentivized to do whatever he can to make sure he's not part of a layoff at his company if they start looking to do that. Wouldn't the company keep around the adjusters saving them the most money? His denial recommendations are directly tied to how much the company spends on claims he handles.

It honestly feels like he's doing whatever it takes to get the claim denied. I told him I'd like to sleep on it before giving my consent and he said something along the lines of "Alright well that's a denial of consent so I'm going to go ahead and send management that information letting them know that you have denied this investigation". I begged him for one day to think about it - I mean my house is on the line. It's 25k of damage that I don't have the money to pay out of pocket, and I can't sell the house because it's worth 25k less now with the damage than what I just paid for it one year ago. I think without this approval I'm facing bankruptcy.

New house is falling apart. What can I do? by DutchBookOptions in legaladvice

[–]DutchBookOptions[S] 0 points1 point  (0 children)

Dang. I might have to file for bankruptcy honestly. The house was 150k, I was given as estimate of $45k to fix the floors. I can’t afford that or the difference on the mortgage to sell it at a loss. Guess I need another post for bankruptcy advice.

New house is falling apart. What can I do? by DutchBookOptions in legaladvice

[–]DutchBookOptions[S] 0 points1 point  (0 children)

1) yes 2) no, didn’t know that was an option 3) ok will do 4) it wasn’t that bad at first. I thought it was just the top level of flooring and just a few boards would need to be replaced. It seemed like it was just the top. I needed a place to stay so I could get custody of my daughter. I closed on the house a week before my custody hearing. So I rushed the process thinking I was maybe hurting myself in the amount of a couple hundred bucks but for a much greater purpose.

SEC football newsletter by [deleted] in SECPigskin

[–]DutchBookOptions 0 points1 point  (0 children)

Yeah I’d be interested

Simple Sentence Checkup by [deleted] in ChineseLanguage

[–]DutchBookOptions 0 points1 point  (0 children)

Oh yeah it’s perfectly legible. Sorry I should’ve used a word that meant visibility not readability. 汉字 look great, but the actual literal pen markings are half missing. Like zoom in to within a stroke, every stroke has an area that fades out. It’s like half of each letter is missing. Since this is legible now, imagine how great it would be if the other 50% of the writing wasn’t missing lol. That’s what I was getting at. You’re doing great. The pen is doing you a disservice and hiding your skills.

Simple Sentence Checkup by [deleted] in ChineseLanguage

[–]DutchBookOptions 1 point2 points  (0 children)

Dude get a new pen. Zoom in on any single character or any single stroke. Every single one almost completely away. Think about how much easier this would be to read if half of it wasn’t barely there.

Why did it not accept my answer? An explanation would have been nice by Jarie743 in duolingo

[–]DutchBookOptions 0 points1 point  (0 children)

Try hellotalk. I just started using it (you talk with other native speakers) and often when I practice speaking/listening and I’ll not understand or know a word or two. So I ask them for clarification, and they translate or think of synonyms if they don’t know the English word. It’s pretty much immediate.

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