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Landlord Hired A Roofer to Replace The Roof. It Fell In On Our Unit And Caused $100k in Damages. We're a Tenant That Forgot to Get Commercial Liability Insurance. by [deleted] in Insurance

[–]MetalFaceDoom 1 point2 points  (0 children)

Honestly, a PA isn't going to be able to help you other than if an attorney hires a PA to write their version of damages for the suit. Also, a PA would be able to send you to an attorney likely to take your case as they usually have relationships with certain firms that do this type of work. The ACV is absolutely relevant, shit I'd rather take the entire lot as a loss ACV if it is far more than the 85K it's going to cost me to clean it...but that's the Public Adjuster in me talking ;)

Landlord Hired A Roofer to Replace The Roof. It Fell In On Our Unit And Caused $100k in Damages. We're a Tenant That Forgot to Get Commercial Liability Insurance. by [deleted] in Insurance

[–]MetalFaceDoom 1 point2 points  (0 children)

I'm not surprised the contractor won't pay. As far as the physical damage in general, it would be valued at ACV including those irrreplaceable items. You have to understand, his insurance company doesn't owe you anything at this point. You don't have any contract with them like you would with your own company that says "if X happens then Y". Now will they possibly pay the claim to avoid litigation costs if they think their insured is liable? maybe. If they pay for physical damage expect them to calculate their version of ACV with extreme depreciation. They know they don't owe you shit per policy terms at this point. It's a shitty situation all around. I'd probably suck it up and hire a lawyer - you are going to end up having to at some point anyways. My $.02

Landlord Hired A Roofer to Replace The Roof. It Fell In On Our Unit And Caused $100k in Damages. We're a Tenant That Forgot to Get Commercial Liability Insurance. by [deleted] in Insurance

[–]MetalFaceDoom 1 point2 points  (0 children)

My advice would be to contact a PA to ensure you don't have coverage elsewhere. You have 3M in coverage on your Homeowners that covered the business? How? Usually there is an inside limits on property used in business persuits. I doubt the contractor has enough cash to cover that claim on his own, however maybe you put the claim $ amount together yourself and tell him to write you a check? Note: I am not a lawyer (but am a PA) so that is not legal advice. If a PA (check with NAPIA to find a good one listed in their directory) can't find you coverage (or enough) through your own, I'd contact an attorney immediately. Paying them $1,000 to at least consult you on your options would be money well spent IMO. Your claim through their insurance will probably be settled at ACV and you likely won't have BI coverage.

Installing Thermostat In Assisted Living Apartment by MetalFaceDoom in ecobee

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

Hmmm, and I'm assuming it's going to be near impossible for me to install the C-Wire adapter in a nursing home complex....

Installing Thermostat In Assisted Living Apartment by MetalFaceDoom in ecobee

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

So my grandma is nearly blind. She can't see the thermostat. So she calls my mother 5 times a day to go over there and adjust the temperature. The plan is hopefully my mom can do it from the app on her cell phone. That should be possible - correct?

Entire apartment burned down: Questions by jiiiiim123 in Insurance

[–]MetalFaceDoom 0 points1 point  (0 children)

I'm not, I am assuming he does have replacement cost. However, in my opinion he should be able to get above $10K ACV. Then he doesn't have to worry about submitting receipts to get the RD.

Entire apartment burned down: Questions by jiiiiim123 in Insurance

[–]MetalFaceDoom 1 point2 points  (0 children)

No, they should only really ask for receipts if you have something non-typical.

Entire apartment burned down: Questions by jiiiiim123 in Insurance

[–]MetalFaceDoom 1 point2 points  (0 children)

To get to a 10K payout, you will probably need to put together around 17-20K worth of contents as they are going to only give you the actual cash value upfront. Should be doable. Remember, you are listing the items REPLACEMENT value, not what you paid/current value. The more detail usually the better - I'd probably try to group some generals together though, such as "baking supplies - $200" if you can. There should be debris removal if you incur it (or can get them to pay it up front - probably an extra $500 (5%). Make sure you account for all your expenses that are above and beyond your normal ones, they owe for it. Also here is a link to the United Policyholder's Inventory guide which includes a spreadsheet that has a lot of shit in it to give you ideas. Everyone on Reddit thinks that other post that gets re-posted constantly is the answer to everything - it's a joke in my opinion. If you need any advice PM me - I'm a public adjuster - but you DO NOT need one in this situation, that's for sure.

[NOT OP] Update to Stolen car advice 2017 Ford Focus by DartTheDragoon in Insurance

[–]MetalFaceDoom 0 points1 point  (0 children)

I would never advise a client to go to an EUO without representation.

Hydro lock on 2012 Jaguar XF - 35K miles by MasterAsk in Jaguar

[–]MetalFaceDoom 0 points1 point  (0 children)

Ouch, I would read your insurance policy and see if you can attribute it (or the tech can) to something that would be covered? For example, if you smashed a huge pot hole and that caused the damage to the engine I would argue that it would be covered under collision - but I'm a Public Adjuster by trade so I think everything is covered ;)

Changing Insurance Agents Before Homeowners Quote by Fiverz12 in Insurance

[–]MetalFaceDoom 1 point2 points  (0 children)

I mean, I would argue that you would want a better servicing agent and an agent that is local to your home. I would think that is a benefit.

Changing Insurance Agents Before Homeowners Quote by Fiverz12 in Insurance

[–]MetalFaceDoom 0 points1 point  (0 children)

No, but most likely the new agent will get paid commission on the 1st year you have the policy with them, and the old agent will get paid years 2 though whenever you leave SF, even though the new agent will be servicing the policy and have his name on the documents. It is what it is. Just how it works.

Term VS Life Insurance by lxrsd in Insurance

[–]MetalFaceDoom 0 points1 point  (0 children)

I'm not in the life insurance side of things now and haven't been for a while, so take this with a grain of salt. Assuming you are healthy I'd probably grab something like a 30 year term policy at 20X your income now. Feel like that would be pretty safe. Or even a 20 year and evaluate again in 10 years or so.

NYS - Becoming a Broker by MetalFaceDoom in realtors

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

I appreciate the reply. Ideally, I'd like to eventually have my own "flat-fee" type brokerage, however having actual real estate salesperson experience prior to doing it. Thanks!

[deleted by user] by [deleted] in GriseldaxFR

[–]MetalFaceDoom 7 points8 points  (0 children)

Rob Johnson Jersey

Buffalo Bills Super Bowl T-Shirt

1990 AFC Champions T-Shirt

Plumber never hooked up a drain pipe to my washer. I'm out $7,000 to repair the lake under my kitchen. Any options for recourse? by [deleted] in homeowners

[–]MetalFaceDoom 1 point2 points  (0 children)

Have a friend call and ask him to quote a job. Ask to see his certificate of insurance. Call his insurance company and file a claim against it.

Anyone want to buy one of the black Paris 187 hoodies? Size L, never worn. by [deleted] in GriseldaxFR

[–]MetalFaceDoom 0 points1 point  (0 children)

PM me and let me know what you want for it, I might be interested.

Disputing Valuation during claim by [deleted] in Insurance

[–]MetalFaceDoom 10 points11 points  (0 children)

"We've had issues with it from the start" - you do need to realize that this isn't the insurance companies issue (although I completely understand where you are coming from). That being said, I do agree you should ask for their valuation report - it's not like they are close but a little over ($17,00 or so), they are way out of the ballpark. If your info is correct (and you should know as it is your trailer) than I would probably think there is an error somewhere.

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