just curious?re: in...
 
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just curious?re: insurance claims

 
lily1025
(@lily1025)
Advanced Member

does anyone know what the time involved was, with the insurance companies response,in texas and fla post harvey and irma? beause, my heart is really beginning to ache for the people on stx and the lack of response from insurance companies. here.i know multiple people,who are already in dire straits,post maria who have had to hire private insurance adjusters.

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Topic starter Posted : March 15, 2018 10:10 pm
vicanuck
(@vicanuck)
Expert

Many of us who have not settled yet are not in a hurry to settle.

I called my public adjuster and had an evaluation before I even filed the insurance claim.

Only fools rush in.

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Posted : March 16, 2018 7:53 pm
lily1025
(@lily1025)
Advanced Member

very interesting vicanuck,but i'm not sure i understand what you mean.. hope you don't mind explaining a little bit more. thanks

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Topic starter Posted : March 17, 2018 12:11 am
quirion
(@quirion)
Advanced Member

We had very minimal damage(thankfully). We had a great experience with our adjuster. They were from Cunningham Lindsey in the UK.
Contracted via Marhall & Sterling. Though our actual insurance was Island Heritage.
Took about 5 weeks after the adjuster and I came to an agreement for Marshall to respond.
The last week involved me and many emails and phone calls which generated responses.

Filled out the loss statement and was told 3 weeks to get check. However within 2 days marshall had a check for us.

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Posted : March 17, 2018 2:50 am
vicanuck
(@vicanuck)
Expert

very interesting vicanuck,but i'm not sure i understand what you mean.. hope you don't mind explaining a little bit more. thanks

The longer I wait, the more I will receive.I don't want to rush the process. My public adjuster has done a great job negotiating with the insurance company's adjuster to get us every penny possible. Plus, once I do settle, I can wait until material and labor costs subside to complete my repairs. Its almost like winning the lottery.

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Posted : March 17, 2018 11:32 am
daveb722
(@daveb722)
Trusted Member

My experience so far has not been great. Although the adjuster that Mapfre finally hired was awesom. He was out of Calgary Canada. I understand that PR got hit hard, but many emails to both my agent and the company were never answered or the answer was I'll get back to you. I don't blame the agent, as I'm sure he was having a hard time communicating with them. Anyways, the adjuster finally arrived on island in February, got it all estimated and submitted for review within about 3 weeks. He and 3 other adjusters were hired as he told me the government was going to sue Mapfre due to the non response to us policy holders. Mapfre reviewed it and approved it this past week and supposedly a check will be issued this week. This is my first claim and I live off island, so I to will do the repairs as time permits when I visit or when I can coordinate with others when I'm there. The adjuster did not send me an itemized list, so I need to find that out, but the amount was higher than I expected.
I've heard great things about Marshall and Sterling and may switch with them even though they were a little more, their response seemed to be excellent to the situation.

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Posted : March 17, 2018 1:19 pm
ironheadUSVI
(@ironheadUSVI)
Advanced Member

I really wonder what an outsider knows about construction techniques and cost in the VI...

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Posted : March 17, 2018 9:34 pm
lily1025
(@lily1025)
Advanced Member

I really wonder what an outsider knows about construction techniques and cost in the VI...

great point!

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Topic starter Posted : March 17, 2018 10:14 pm
Scubadoo
(@Scubadoo)
Trusted Member

I only had to fix a few small things, nothing close to the deductible. Marshall and Sterling called me to make sure everything was OK and inquire if I needed to file a claim.

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Posted : March 17, 2018 11:10 pm
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