• Report: #998785

Complaint Review: Assurant specialty property claims

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  • Submitted: Thu, January 17, 2013
  • Updated: Mon, February 04, 2013

  • Reported By: TheMan — Wellston Oklahoma United States of America
Assurant specialty property claims
11rd Rio Rancho,NM Internet United States of America

Assurant specialty property claims Tracey Steven Counasse Only paid 2223.34 for over 40,000.00 in damage and stolen stuff. Internet

*Consumer Comment: Collateral Damage Control

*Author of original report: Still nothing ........If you have them get rid of them....

*Author of original report: Well ???? No responce ....

*UPDATE Employee: Please contact us.

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 I went to Oklahoma to work . while i was gone , i found out that my house had been robbed. called the cops . then the insurance. was told by the adjuster over the phone that he had been by the place and noticed that the windows where boarded up. Told him that was not true . He then tried to blame the theft on me . I came back to New Mexico in late December to find that my house had been broken into again. This time they took everything. Made a second police report. And, claim with the insurance . My adjuster said he would stop by to inspect it . He couldn't even find my house . "he got lost" Then i was told i would recieve a call in a day or two. That never happened. After numerous call to the insurance. And, three weeks later. I was told by an operator that my case had been settled . And, that an e-mail had been sent. They sent me a check for 2223.34. And the damage and stolen item are well over 40,000.00. "get your own insurance, don't the the mortgage company do it"

This report was posted on Ripoff Report on 01/17/2013 05:11 PM and is a permanent record located here: http://www.ripoffreport.com/r/Assurant-specialty-property-claims/internet/Assurant-specialty-property-claims-Tracey-Steven-Counasse-Only-paid-222334-for-over-4000-998785. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
2Author 2Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

Collateral Damage Control

AUTHOR: ClaimAdvocate - (United States of America)

If your assessment of the loss is $40,000 at REPLACEMENT cost value, then you have a large claim. All insurers will adjust the loss down to the Actual Cash Value or depreciated amount. Once paid you can make replacement and only after replacing the items will you get paid the full value. First you need to agree upon the total loss value.

I can tell by your remarks that you have done a lot of self collateral damages by talking to much. Most insureds do not know the policy and claim protocols that trip up their claim. What you say will be used against you. You do need to file proof of your loss, the insurer cannot prove your loss for you since its your stuff and your claim. Even then, they will consider you a suspect, its the nature of any theft loss, and every insurer has to use the honor system.  It appears they are making a "benefit of the doubt " payment to you based on your details of the loss inventory. Did you give them the full Replacement cost value? Did you research each item or its today market value? Do you have photos during Xmas showing some of those items in them, do you have receipts? You need to build your own claim or hire help. The burden to file proof rests with you as the policyholder, not the insurer. 

There are hundreds of nuances involved in every claim and thefts are the worst. You need to hire a claim advocate or Public adjuster-someone who has worked inside the insurer as a real time adjuster (not a restoration contractor as many want-a -be- public adjusters have become) and he may charge you up to  20% to handle it for you , but will get you far more than you will ever get on your own as he will know the in-and out of claim adjusting protocols, State regulations, and codes. Its worth the money unless you hire a bad PA. Be sure he has 10-15 yrs inside working for the insurance companies. 

Under your policy you may be able to invoke the Appraisal Clause if you are disputing the values of each item and the depreciation amounts. The appraisal process is spelled out in the conditions of your policy and will cost you $2-5000 by the time your done and almost always gets you a lot more money that offsets the expense. But  you need to know what your doing as the insurer will rig it in their favor with bias appraisers and an umpire.

My choice is a good Public Adjuster to take it to the Appraisal Under the Policy process or let them keep $35,000 of your money. 

The Claim Advocate

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#2 Author of original report

Still nothing ........If you have them get rid of them....

AUTHOR: TheMan - (United States of America)

2/4/13   Still nothing .......
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#3 Author of original report

Well ???? No responce ....

AUTHOR: TheMan - (United States of America)

i e-mailed my info. but, was never contacted....
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#4 UPDATE Employee

Please contact us.

AUTHOR: AssurantSP - (United States of America)

Hi, I work at Assurant and saw your post.  We want to check and make sure you get the help you need.  Please send me your contact information so we can get you to the right place for assistance. I can be reached at robert.byrd[at]assurant.com.
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