Have you wondered what bad faith on the part of an insurance company looks like? Has this, or something similar to this, happened to you?
I want to share a call from a prospective client I received an hour before writing this post.
After consulting with several professionals who confirmed his roof damage, he filed a hail claim with his insurance company. They first sent an Independent Adjuster to his home to inspect his roof. The adjuster confirmed the damage and reported to the insurance provider that the roof should be replaced.
Instead of paying the claim, the insurance provider sent a second adjuster, a 40-year seasoned desk adjuster employed by their company, to inspect the property physically. After his inspection, he informed the insured homeowner that he agreed with the first inspector and would be submitting his request for a complete roof replacement.
A few weeks later, instead of paying for the damage confirmed by two different adjusters hired by them, a member of the insurance carrier’s management team emailed the insured homeowner that he was sending a third adjuster. Another contracted Independent Adjuster was paid to inspect the damaged roof this time. He checked the same roof and agreed with the first two adjusters that the roof needed to be replaced, and he informed the policyholder and insurance provider accordingly.
Instead of paying for the damage that three adjusters reported to them as being covered under the insurance policy, the giant insurance provider we all know from their numerous television commercials is now sending their “engineer” to inspect the damage a fourth time and report back to them.
“I wonder what the insurance company’s hand-picked engineer will say,” said no one, ever.
Sometimes, I feel compelled to pay certain insurance carriers for all the marketing they provide for my services to their customers.
Know how to make a legitimate insurance claim before you present it to your insurance company or, as an alternative, contact an attorney or public adjuster to advise you. “No” is not always the final answer to your insurance claim.
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