You hit it right on the mark Tom as I had a pipe break in my home and hired
a independent private adjuster firm that one of my friends recommended who
works in the field and received over 4 times what the adjuster wanted to
give me. I didn't even get canceled which surprise me to know end. The only
strange thing was they made me have the check signed off by all the
interested party's in the affair and the Bank manger noted she had never
seen a check with so many endorsements on it. One's live and learns. Gene
K2QWD
-----Original Message-----
From: towertalk-bounces@contesting.com
[mailto:towertalk-bounces@contesting.com]On Behalf Of WD4K
Sent: Thursday, July 03, 2003 10:27 PM
To: towertalk@contesting.com
Subject: [TowerTalk] Insurance
After taking a direct hit from the f4 tornado here in Nashville a few years
back I learned a LOT.
I watched as my neighbors put up banners on their homes out of frustration
with the "not like a good neighbor" and "no good hands here" in BIG letters.
These horror stories of insurance ripoffs and indifference from dozens of
companies were featured on many local broadcasts here for a long long time
including a couple of interviews with me.
I had hundreds of thousands of dollars in damage to my home including the
ham equipment.
I can sum this up really quickly: Your agent although a nice person and your
friend with great intentions... is employed by "THE COMPANY" and does NOT
represent your best interest, the adjuster, independent or not does NOT work
for your best interests, the insurance company is ONLY interested in getting
out as cheaply as possible...hurry up and sign this release....NOT!
Solution:
To solve the problem, I hired an independent private adjuster firm, familiar
with the industry.(check the yellow pages) They receive a percentage of the
gross BUT nothing up to and including what you were initially offered.
Essentially a win-win for both parties. This is the ONLY way I came out
when sadly, the majority of my neighbors did not. The insurance company
offered me less than 1/4th of the settlement I finally received and had I
not used the private adjuster firm I would have been still rebuilding.
Simply put: using their adjusters, claims personnel and such, is just like
hiring your estranged wife's attorney to represent you in your
divorce....just about suicide..Hi.
Disclaimers: YMMV, not referencing any agent or company, mine worked hard
for me and are still my friends. This is just hopefully a helpful hint to
save some of you a lot of headache and frustration if this unfortunate
situation happens, and to let you know that there is help through this
ordeal. 73, Tommy WD4K
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