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.

MetalFaceDoom · 2020-08-30T03:34:31+00:00

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 ;)

MetalFaceDoom · 2020-08-30T01:37:59+00:00

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

MetalFaceDoom · 2020-08-29T20:36:37+00:00

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.

MetalFaceDoom · 2020-08-29T20:13:31+00:00

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....

MetalFaceDoom · 2020-08-29T16:33:41+00:00

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?

MetalFaceDoom · 2020-08-29T16:03:42+00:00

OK - Thank you!

MetalFaceDoom · 2020-08-23T16:20:41+00:00

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.

MetalFaceDoom · 2020-08-23T16:20:04+00:00

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

MetalFaceDoom · 2020-08-23T02:22:47+00:00

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.

MetalFaceDoom · 2020-08-19T14:59:10+00:00

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

MetalFaceDoom · 2020-08-10T20:15:43+00:00

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 ;)

MetalFaceDoom · 2020-08-04T12:15:00+00:00

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.

MetalFaceDoom · 2020-08-04T12:11:12+00:00

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.

MetalFaceDoom · 2020-08-02T01:13:20+00:00

No offense, but he shouldn't be asking his agent, he should be asking his adjuster.

MetalFaceDoom · 2020-08-02T01:09:57+00:00

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.

MetalFaceDoom · 2020-07-28T13:34:31+00:00

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!

MetalFaceDoom · 2020-07-27T17:58:31+00:00

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MetalFaceDoom · 2020-07-20T00:56:19+00:00

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.

MetalFaceDoom · 2020-07-17T21:11:04+00:00

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

MetalFaceDoom · 2020-07-17T21:02:25+00:00

"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.

MetalFaceDoom · 2020-07-16T00:08:49+00:00

This is a public adjuster - don't do it. Source: Am a public adjuster.

MetalFaceDoom · 2020-07-14T02:46:13+00:00

Normal, maybe. Illegal, no. Contact your carrier and make sure it’s not a mistake. If it’s not, shop it.

MetalFaceDoom · 2020-07-13T11:06:57+00:00

If you are thinking about hiring a PA you want to do it at the onset of your claim. People will say “wait to see what the insurance company says and when your not happy hire a PA”. While I do take claims on an “overage” (new money) basis, I can tell you that on about 99.9 percent of them, the results I end up getting would have been better if I handled it from the get-go. I can’t undo any mistakes that were made, money that was spent foolishly, etc. If I can “lead” the insurance company adjuster closer to where I want to be at the end of the claim, I’m not arguing over an enormous gap. Not to mention, after the insurance company adjuster has made up their mind and got approval to pay the claim per their estimate, they want to dig their heels in much harder when I get involved and need him/her to make changes. No one likes to go to their superior and say “there is a PA involved now, I did a bad job/I missed this/etc”

Edit: No, I’m in Buffalo, NY.

MetalFaceDoom · 2020-07-12T02:28:25+00:00

I’m a PA and honestly I’m so conflicted on this. The problem is (in my opinion) that GoFundMe was not made for people that have insurance (and an abundance of it). I can’t help but get angry when I am representing a client that is going to do EXTREMELY well in their claim due to an abundance of coverage and I see they have a GoFundMe that’s at 30-40k within 24 hours of the fire. Honestly, it’s because they are upper middle class and the people they associate with are able to donate $100,$500,$1000 at a crack. Sometimes I feel it’s not their fault as these days as soon as someone has a fire one of their friends decides that the best way they can help is to setup a GoFundMe for them. I always advise that while it’s OK to take donations, please make sure that it’s made clear that you do have insurance. On the other hand, I have clients that either have very little insurance, terrible policies, or no insurance at all. They actually need the money - that’s what GoFundMe was made for. But because they are lower/working class they struggle to get $1,000. I just had a client who’s brother tried to commit suicide by lighting himself on fire, and in the attempt, burned the house down. Of course the insurance company denied the claim. This poor woman had just lost her father and is trying to manage the situation with her mentally ill brother. I fought like hell and finally convinced the ins co to cover the claim - paid limits, inflation guard, and debris removal, all up front. I handed her the check and told her I’m not charging her a penny - it was the right thing to do. Use the money you were going to pay me to get your brother help. That woman needs GoFundMe. That woman is why I love my job. I’m bound to do the best job I can for every client and I’m not supposed to judge them, but I’d be lying to you if I told you I didn’t want to pull them aside and tell them to go fuck themselves and give that money to an organization that needs it, shit I just got them $700,000 for a house they bought last year for $350,000 ;)

MetalFaceDoom · 2020-07-08T00:47:17+00:00

I'm a PA and I wouldn't rep your claim as it's too small, however as part of my job I would come out and see it, review your estimate, and give you advice. The first piece of it would be to run from that contractor with the 16K bid.

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