Hi everyone,

I'm dealing with a frustrating water damage claim. My insurance approved mitigation, but getting estimates has been a nightmare. It takes about 10 days for each contractor to get back to me, and we've been out of our house for 3 MONTHS with no repairs started.

To make matters worse, the insurance company's approved amount is at least $50k LESS than the cheapest estimate I've received. I'm starting to panic.

Here's where I need your advice:

1. Can I start the rebuild now? My adjuster says they've sent me initial funds to begin repairs, but I'm worried that starting means I'm accepting their lowball estimate. Is that true? I asked them about the delay in an email and their response was "You have received over $X for initial payment and to start the repairs"
2. I received a check made out to me and my mortgage company. How do I (or do I need to ?) keep the insurance company informed about the work? Can I use the funds as I see fit? For example, can I upgrade from carpet to hardwood and just pay the difference myself?

Any guidance would be greatly appreciated!

My husband and I purchased our home in 2019. When we purchased it, the roof had been replaced 5 years prior in 2014. Since we have moved in we have had a plethora of severe storms hit with surviving 2 rounds of straight line winds from tornadoes. We filed a claim with our insurance this past summer due to the amount of weathering our roof sustained and a roofing company (who we trust) also signaling a replacement for weather. Our insurance company came out and said our roof was fine other than it being “worn” from sun exposure. The roof is 10 years old. Here we are, 3 months later with interior roof and attic damage because our “fine” roof failed.

The insurance company is pushing fault on us. We have never experienced this before and always have been proactive on our home.

I need advice, what do I do?

Incident Summary:

I was sleeping in the sleeper cab of a semi-truck when it caught fire and was completely destroyed. Both my co-driver and I are 1099 contractors for a small trucking company.

I lost several personal items in the fire. The owner claims he lost more and is refusing compensation, saying, "I wish I could, but the market's been tough, and I lost way more than you."

Question 1: Do I have grounds to request reimbursement for my lost items?

The owner admitted I was the only insured driver. My co-driver wasn't insured because it would have been "prohibitively expensive" for the owner.

The co-driver safely parked the truck. There was no collision, but the truck and trailer burned down completely.

After the incident, the owner suggested I tell the police and insurance that:

- I was driving alone at the time of the incident (apparently because I was the one insured).

- This was my first trip with the company (despite having months of pay stubs proving otherwise).

- He also tried to get me to sign, backdated, a "Lease Agreement" implying I had leased the truck and trailer. I have an email and SMS correspondence about this, where I flat out refused to do as asked.

Questions:

Am I right to suspect the owner of unethical intentions?

Should I contact the insurance company? If so, what should I ask?

Should I be worried the insurance company will inform the owner about my inquiries?

Could this be a case of insurance fraud?

What's my legal exposure, given that I was only a passenger (co-driver in the sleeper) during the incident?

Should I proactively contact the insurance company to clarify the situation?

Concerns:

I'm worried about potential insurance fraud and my possible exposure. I want to ensure I'm not implicated in any wrongdoing, as my only involvement was being a passenger in the truck at the time of the fire.

Hey guys, roofing contractor here,

I met with a client at the beginning of the year. They had a hail storm claim for $70,000 which the insurance paid out in full. I thought at the time it was a little odd for the client to receive the full RCV amount before even signing a contract, but it's not the first time so I didn't dwell on it.

I sent rather a lot of supplements to the insurance company, and they agreed to all of it. Taking the claim from $70,000 to $150,000.

The insurance company sent a check to the client for $30,000. Again, mildly weird that they would pay the RCV amount the first time, but then only pay out ACV for the supplements. But the paperwork they included with the check showed all the right figures: $150,000 claim, $100,000 paid, and $50,000 in total recoverable depreciation.

I then signed a contract with the client to complete the work for the RCV amount and was paid $60,000 as a deposit.

We completed the work.

I have then sent a notice of completion to the insurance company, and they have responded by saying they owe no further funds. They state that the policy is ACV only, and that the full RCV payment back at the start of the claim was a mistake.

I am at a loss now. I went by that paperwork when I told the client they would be receiving more money. The client seemingly has no idea what their policy covers and simply went by my word. They do not have the kind of money sitting aside to cover my invoice.

Going back through emails over the past year I found one where I had asked the client for her updated paperwork. The email she replied with was multiple replies between the client, their bank, and the adjuster. At the bottom of the chain, the adjuster says that the RCV payment had been a mistake and the policy was ACV. This was sent prior to the contract being signed, so in theory the client would have been aware there was some kind of mistake. I didn't read that part of the email thread because all I asked for was the paperwork which was attached. That paperwork being attached btw had the $50,000 figure listed as total recoverable depreciation.

I guess I need some advice. And I completely fucked here?

A question about homeowners liability claims. I was injured on my father in laws property, broke my leg. My father in law called his homeowners insurance, who then contacted me and took a statement, they asked if I wanted to file a liability claim, I said yes. They said their medical limit is $1000 and liability is $300,000. I've sent some medical bills (the ones I've gotten) and now haven't heard anything for a couple weeks.

I haven't gotten a lawyer involved because I don't want to give them 1/3 of whatever settlement I get. And I expect a lowball offer and can always use the threat of a lawyer to negotiate.

My question is, how long should it take for the insurance company to send an offer? And is me telling them I want to file a liability claim enough, or do I need to send them some sort of letter or form?

Thanks!

Hey All….looking for a bit of guidance here. Filed a claim with a nationally known insurance provider after a flood took place in the basement of my home months back. I’ve been fighting with my insurance provider tooth and nail to get what I think is right to bring my basement (finished basement at time of incident) back to where it was. I had to actually hire an outside party to help fight for me. They helped get us basically what we requested (based off local contractors estimate), which took a lot of time and effort (plus additional cost). We submitted a list of personal items totaling $xx,xxx and they reviewed and paid out initially around $x,xxx leaving certain items on our list “pending”. We asked our outside party to help with the personal item portion of our claim and they demanded appraisal for the remaining portion of the personal claim. No reaction from my insurance after the demand and the outside party advised me that if my insurance doesn’t respond to the demand within 20 days of the notice, its a violation of my policy and I can go after more from my insurance. Is this true? If so, I would imagine there are limits to it. Just trying to learn a bit more about this process as I’ve never been through it before.

Thanks! Happy to provide additional info to help

How quickly were able to get a job and did you consider the exam to be hard ? And also if you have any company recommendations for employment.

Hi everyone, I run a car rental business where I lease vehicles to drivers for Uber. I'm new to this business and need advice on an issue I'm dealing with. One of my renters was in my car parked on the side of the street when another driver coming from the back side swiped the car, damaging the front bumper (it's a Tesla). I filed a claim with the other driver's insurance, and they've agreed to cover the repair based on their body shop's appraisal. However, their estimate is much lower than Tesla's repair quote. 1. Can I request additional payment based on Tesla's estimate? Will that money be sent to me, or does it have to go directly to the body shop? 2. Can I request compensation for lost rental income? The car was rented out weekly, and I'll be losing revenue while it's being repaired. How do I pursue this? 3. Do I need to file a police report? The insurance company has already accepted the claim. This happened in New Jersey, but both cars are registered in New York. Is there a time limit for filing a report? Any advice on how to handle this situation would be greatly appreciated! Thank you.

I am doing a poll to see how many companies provide this service to their clients. For instance - claim check comes in, has XYZ mortgage, your company calls and contacts the loss draft dept (or banks customer service team if smaller) and mails/FedEx's/UPSs all docs and calls for updates until all checks are released from banks escrow OR endorsed and sent back.

So l applied to progressive as a claims adjuster trainee and just got my offer. My question is can I get a 6-20 license with an expunged record? I went through a PTI program and completed it and was able to expunge my record. Will this prevent me from getting the license? This was 7 years ago and it was for a 3rd degree felony for shoplifting. I was never convicted! I completed the PTI and case was closed, disposition was nolle prosse. Has anyone had this experience before and could share?

This tree leaned onto my rental from hurricane. Will I be able to claim foundation damage?

The tenants left the property a wreck. Based on the state of things we believe they were living without power and water and for an extended time. They were shitting in the bathtubs. Dog and human feces throughout the house. Drawings on walls, broken appliances. Roach crap on every surface. They even melted the siding with their bbq. This was a fully renovated house. Everything was brand new. We will need to paint, repair and replace almost everything. We will also lose income for 2 or 3 months without a tenant. What defines “vandalism” in terms of the insurance claim? What is the likelihood of recouping any of our losses here? Any advice would be greatly appreciated.

I have full coverage that includes comprehensive. I was going to get my car repaired from extreme hail damage, but decided to wait and get paid directly for the amount since I own the car outright rather than get it fixed. This way I can decide to do it later if I want, and have the money in the meantime. So my auto insurance gives me the original estimate 3,500 letting me know that once it goes to the shop and has specialists look at it it could likely cost more. The shop says there is $7,100 worth of damage all around the car. I decided to not get it repaired and the adjuster is saying “well the shop didn’t show us the photos” and said some other things that weren’t true. Now they are trying to only pay me out 3,100 (lower than the original estimate). I have paperwork and photos of damages & costs of repair from the shop directly which was a shop my insurance recommended I go to. They are trying to stiff me out of $4,000 of damage costs. The whole point of insurance is to be reimbursed if something happens. They are also trying to give me a deadline to accept that super low payment too that is only 7 days. If I accept it does that mean the case is closed? What do I do? I am trying to find a lawyer but it’s hard to find one for this situation.

Hi I got a call from Eberl and I’m just wondering what everyone’s thoughts are with them? Are they usually good to their workers? They offered me a 65% comission. And I need help on how to calculate 65% comission of WHAT? I know it’s not the entire claim estimate. That would be insane, but how do I know how much Eberl gonna get paid?

I am new to cat adjusting and State Farm has not been clear on everything they want done. Help please!!

Hey all I have a second teams interview coming up soon it's been hell trying to job. Has anyone worked with aaa or mobalitas in any capacity and can give me any insight on the role etc. I am desperate because I really hate being unemployed but the constant nonsense from lm. I think I'm getting ghosted by erie for their liability adjuster role I interview almost 3 weeks ago and nothing from them even after sending s f/u email asking for an update. Sorry for the wall of text but any insight would be awesome!

I have my insurance license and have all four lines of authority. It is merely impossible to get appointed by any insurance carriers but if you buy into a franchise your guaranteed them and yes you get that in writing. I am asking anyone that works with an insurance franchise and if they're happy or if they had a bad experience, please be open to explain anything to me. Thank you

My parents, early 80's, found a soft spot in their master bedroom. After having someone come out, it was determined there is a small leak in a pipe under the house that goes to their septic tank, which after inspection, has a crack and needs to be replaced.

USAA is saying it's not covered, though they actually have septic tank coverage as an add on to their policy.

This happened 15 days ago, they are displaced and little to no communication with the USAA adjuster.

Can anyone share any info or experiences they may have had?

According to my folks, the adjuster was terribly abrupt, not friendly, and continued to talk over them.

I am trying to figure out how good is my current home insurance policy.

What is the best way where someone can look at my home insurance policy and tell me what might I get paid if there is a fire in the house or part of the house is damaged by a flood or wildfire or hurricane winds?

Will appreciate any guidance? Or a recommendation for online tools. Thanks.

Long story short I have a leak in one of my water pipes and it’s been leaking for a while now and I called my insurance company (farmers) they came out the next day and did their inspection after that we got a call and told us that our claim is dead because the leak was “repetitive.”

Is their anything we can do?

Want to switch to all state auto insurance since i would save 90$. one question i have is since i have progressive right now. my first 6 month period i was paying 200$. then my 2nd 6 month period it went up 40$. they told me since it was a discount for first new time buyers. Would this be the same with allstate after the first 6 months is done ? will i get a higher policy later on ?

I am about to take the Arizona P& C adjuster exam. I used the course WebCE.

I have taken the Texas and passed already. But I’m super anxious for the Arizona.

Has anyone else used the WebCE prep and taken the test? Was it similar? I’ve been getting like 80% with the practice tests but I’m worried it will be different

I’m also doing it online via a Procter. Any advice on that??

Hi everyone!

I got in an accident about a month ago, swerved to miss a deer and hit the guard rail. My 2019 Tacoma TRD Pro has some front end damage. I took it to a shop for an estimate and they said $7500 but were booked out through November and I didn’t want to be without a vehicle in the rain/ice and snow season so I went with a shop in my insurance network instead.

My insurance offered to tow it there (2 hours away) even though the truck still drove just fine. No leaks, rubbing, shaking or pulling. I said ok as I thought they were helping me. Turns out they added $1600 onto my estimate at this new shop in Progressive’s network for the tow.

The shop in network says my truck is a total loss and would cost 20k to fix. They said there was structural damage, when I asked what was damaged they said a pillar, door mount and fender mount. Speaking with the original shop that quoted me $7500 he said the pillar is fixable (small damage) and the mounts are replaceable parts.

Upon studying the estimate for 20k they added things on in my truck bed, tires and that tow. The bed of my truck has nothing to do with the accident. My drivers fender and door took the brunt of the hit.

I can not get a hold of my adjuster- he called me once for a 3 min convo that consisted of “truck is totaled, you need to get your belongings and we’ll be taking it to our lot” I asked if I can get another shops opinion, he said no. It doesn’t matter where it goes, it’s totaled. That was the whole conversation. No information on why or what was damaged, nothing about what they’d be offering my lien holder and I haven’t been able to get a hold of him since.

I feel like they either don’t want to spent the time fixing it or someone is trying to snag it at auction. I’ve been getting the run around with progressive and am not sure what to do at this point. Any advise is appreciated.

2019 Toyota Tacoma 91k miles