Fire at one of my last rental

I'll get to experience first hand now as an owner of an insured property that has had significant damage due to a fire. Ill keep you updated with the insurance side . I know the process and how it is supposed to work. One very interesting thing A Public Adjuster was there within minutes of the police leaving. This guy reminded me of an ambulance chaser telling all the negatives about how the insurance will rip me off and how he will only charge me 10% of the final claim. I didn't let on about what I knew . I did ask very pertaint questions. He was accurate in his answers.>>>

Sorry to hear it. How bad was the fire? Was it a total loss? Do you have any pic.? >>>

Nope it wasn't total. I got a few pics on my cell phone . Any idea on how to download cell phone photo's here? I was going to pick my boat up on the property to take it out this morning and saw the firetrucks turning down the street with lots of smoke. I knew for certain in my gut it was mine. I would love to use this as a lesson in how to handle an insurance claim from the process of filing to staying in contact with the adjusters to what ever payments are due to job completion. Tomorrow I will take more pics and start to list components for siding windows roof decking fascia plaster flooring etc>>>

Sorry to hear about the fire but I sincerely hope and pray that you get what you have coming under the terms of your fire insurance policy. Better days are coming for you. God bless.>>>

Yeah me too . I get to experence first hand now what I've been preaching . I am I have to admit a little nervous . Out of the box I can see where the process is skewed by the negative's put out by the PA + all the hype from bad press. I still think it is ignorance of the process that causes most of the percieved problems. I will see. I will keep you informed as to how it's going .>>>

Someone please help me . I have forgotten how to post photo's on the forum.>>>

In Dunedin Chuck? Sorry to hear it.>>>

Yeah What you been up to CLW. If your in town give me a call. Funny you know where I live but some one like the mighty whitey JET couldn't . " i dunno " :laugh: :laugh: :laugh: :woohoo:>>>

OK Here I go. Called the insurance office Local agent to file claim. 9;30 am Monday morning . First experience answering machine . Not my favorite . Let see how long it takes to get back. Off to get police report. Then on to my lawyer. I'm also on an alert for the storms kicking up in the Midwest . Interesting>>>

10:15 am got a call back from agent gave me numbers to call in claim. Insurance company made sure I knew that I had to mitigate the damage and keep any receipts to show to the adjuster. Adjuster has till Weds to contact me to stay in compliance.>>>

Wait 'til they ask you to take a polygraph.........let us know the outcome. I'll watch the papers up here. Maybe you'll make the news :ohmy: :ohmy:

JET

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This is an interesting case. I got a call from the Public Adjuster an hour after I filed the claim . Now I personally at this point think this guy is an ambulance chaser. What he neglected to tell me straight up was that if he is hired to take the claim I as the owner of the property have no recourse but to speak through him at that point . No contact with the adjuster or insurance company.>>>

I got a call from Citizen 15 min. ago. Now here is something that most of you might not know. Because of compliance issue most of the time the adjuster coming out to your claim or who you may be dealing with does not own the claim. There is an inside adjuster who does. I was talking with the owner of the claim and they identified themselves as such. Very professional very conversant pleasant. I emailed her pictures of the house and damage. I was told I will be hearing from the outside adjuster by Wed at the latest. Also need to supply Fire report and lease agreement. So far very professional and personnel.>>>

I have just been transferred to another adjuster no problem>>>

See how many times that you get transfered to another adjuster, who is not familiar with the particulars and the additional time spent on hold or playing phone tag, (Presume you worked in an office and could only make contact in early AM, Lunch Time or after getting done at work), and then see if it starts to raise the hairs on your neck a bit.

Yes, they are always professional and polite, but why does the case get handed down from one party to another so often?

Ed>>>

I haven't reached that yet Ed. The adjuster changes are on the inside so no biggie. I thought it very pertinent that I was informed immediately when the change took place , by email. One of the reasons the switch is made inside is the work load of each adjuster and compliance issues. The insurance company is under mandate to contact the insured with in x amount of time after the claim is filed. That is what this is about. Now I will tell you I let the first inside adjuster know I was very familiar with the claims process as an Lic Florida All Lines adjuster. Just to make it fair. I'm really interested in how this will play out. Admittedly I'm a little nervous. Not scared or pizzed . :laugh: :laugh: Just got a call from the field adjuster . Will meet husband and her around noon tommorow.I let them know also about my experence. Here we GO!!!! :woohoo:>>>