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0 Replies and 661 Views Limited access Coverage  661  0 Started by  Goldust   I have a claim on a 1886 Colonial home that needed a new roof. The property has limited access around the dwelling because the entire property is surrounded by a stone wall. the only way to get materials on the 13/12 pitch roof is a large Genie S85 forklift driving on the lawn and circular  driveway. The dwelling is four stories tall with the attic included. The contractor tried to put down steel sheets and marked sprinkler system heads with flags.The steel sheets sunk into the gro...
0 661
10/12/2016 10:33 AM
0 Replies and 763 Views Can I submit proof of loss after 60 day mark  763  0 Started by  chb70 Adjuster will not talk about what is being denied or accepted in my estimate from my contractor. Can I execute a proof of loss after 60 days or should I hire a PA to handle this problem
0 763
06/15/2016 12:14 PM
2 Replies and 3766 Views Is the LM fee schedule the new norm>  3766  2 Started by  barryking $227 for roofs up to $15k is a joke. I implore the IA's out there to refuse to work for these fees. If we stand together maybe LM and S will get the message. No roof assists. No help with Eagle View. No mileage. LM's fee schedule is an insult to our profession.
2 3766
by  brightonJump to last post
05/05/2016 7:15 PM
6 Replies and 4241 Views Would you work out of town(on clean up)  4241  6 Started by  Ray Hall 'I am working for $20.00 per hour and running all over the state and putting in 12 hour days with a lot of windshield time'. This is what the adjuster told me this morning on the phone. He said the motel, estimating program, road expense , 700 free miles per week and wear and tear on his auto... his net was $20.00 per hour or $240.00 per day and out of town 7 days per week. How is this possible This is the breakdown... 4 appointments per day are made for him. He must close 4 reopen files p...
6 4241
by  Paul_S23Jump to last post
02/19/2016 12:58 AM
4 Replies and 2300 Views Coverage  2300  4 Started by  kburks
4 2300
by  perkinsilasJump to last post
06/02/2015 5:27 AM
1 Replies and 2945 Views Where do I look for debri removal for lightning coverage on a h03 policy?  2945  1 Started by  Goldust   I have a claim where 2- 100 ft plus trees in the front yard of a home were struck by lightning and split to the ground.   The lightning followed thru the yard post light ,went into the home and burned the circuit for the porch light, the garage door opener. A surge protector was also damaged that connected to the computer in the home.    My question is : Is there additional coverage for debri removal above & beyond the maximum of $500 per tree  for  debri-r...
1 2945
by  Tim_JohnsonJump to last post
09/20/2014 9:38 AM
0 Replies and 1210 Views Newsletter Topics  1210  0 Started by  Jason Pate Hey guys! I would like some feedback on what kind of topics you would like to read about in a newsletter. What are some common questions that need to be answered for adjusters
0 1210
07/01/2014 10:44 PM
2 Replies and 1611 Views Pool popping problems perplex people  1611  2 Started by  Leland http://realestate.aol.com/blog/2013/10/11/pedraza-family-pool-pops-up/icid=maing-grid7|main5|dl4|sec1_lnk226pLid3D390188
2 1611
by  AcceleratedAdjusterJump to last post
10/17/2013 10:02 AM
29 Replies and 6747 Views Water leak below foundation  6747  29 Started by  FRED
(Topic has multiple pages1 2 )
A friend  has a Texas HOA Plus with endorsement HO470T. He had a water leak under the floor of his pier and beam dwelling causing damage to the finished wood flooring. The company denied the claim saying the leak was below the foundation. My question is where does the foundation of a pier and beam dwelling begin and end Is there any case law on this Does he have a chance in persuing this any further Thanks Eddie
29 6747
by  rickhansJump to last post
03/17/2013 3:51 AM
11 Replies and 2768 Views Contents on gun replacement  2768  11 Started by  Goldust First how much depreciation should be shown in excel when you list a fire arm that was stolen. The fire arm is a Ruger 10/22 rifle with stainless barrel and composite stock that was purchased new in 2007. A new one at today's prices is exactly $247.00 out of the box. Also a  M77 Model Ruger 30-06 purchased new in 2004.Todays price is $460. The insured says how can you depreciate firearms when they appreciate in value daily. The insured has a HO3 policy with replacement cost coverage. ...
11 2768
by  PSRJump to last post
01/03/2013 7:09 PM
6 Replies and 2320 Views Fire policy for farmers coverage question loss of use  2320  6 Started by  abw123 Customer is living in the back house but has a fire policy and has HO policy on the front house where is mother lives. They had a fire loss back house is there any ALE or loss of use for the back house
6 2320
by  HuskerCatJump to last post
09/26/2012 8:49 PM
2 Replies and 2873 Views Question via Email: Coverage for wind or hail damage to a building when it is over a body of water  2873  2 Started by  host I received the following question via the CADO Feedback form and thought I would start posting some of the feedback questions I receive instead of answering them.  Roy 'Question, Suggestion or Comment: Is there any coverage for wind or hail damage to a building when it is over a body of water. Is it an exclusion or just no coverage in a HO3 North Carolina policy.'
2 2873
by  AcceleratedAdjusterJump to last post
05/08/2012 4:33 PM
0 Replies and 1757 Views Depreciation in Arkansas  1757  0 Started by  morning Hey Folks!  I need some help on a homeowner's claim in Arkansas.   It's 3rd party claim on a water loss and I am working for carrier for insured who caused it and am in receipt of a subrogation demand.  My questions relate to depreciation.  What is Arkansas law/statute/precedence regarding depreciation of the following Drywall    Tear out of flooring Special scrape and remove glue  Special prep and mask for painting I ...
0 1757
04/14/2012 9:40 PM
8 Replies and 3927 Views Question on adjusting wood paneling  3927  8 Started by  LDFinley I am an adjuster with about 2 years experience of adjusting under my belt and have a general question.  Yesterday, I and another 2 year adjuster scoped a private dwelling covered under a named peril policy HO policy on a water claim from a sudden leak from a hot water tank.  The linoleum floor in the kitchen was damaged, as was the carpeting in the living room.  The kitchen and living rooms are actually 1 large rectangular room.  The room also has 30 year old wood paneli...
8 3927
by  LelandJump to last post
03/04/2012 4:59 PM
17 Replies and 5056 Views Coverage on roof with prior claim  5056  17 Started by  Stormkat We are selling my mother's home that had a prior hail claim that included replacement of the roof.  It was only 3 years old.  My mother did not replace it but did repair it.  She never pursued the depreciation since she did not do the work.  Will the purchaser have problems getting another insurance company to cover the roof  If they have a claim in the future, will the be prevented from getting a roof settlement Thank you for your insight!
17 5056
by  Roy EstesJump to last post
03/04/2012 2:07 PM
2 Replies and 3215 Views Wildfire Smoke...remember the Mold is Gold days?  3215  2 Started by  Tatanka &160;HI All,&160; I have been working a fair amount of the wildfire claims in Texas. The public adjuster community have now entered the process. I am wondering what other adjusters are running into. We have PAs pounding the streets and demanding complete roof replacements for smoke, sucking the insulation attic clean, cleaning the complete interior of structures and contents.&160; Has anyone ran across some good solid guidelines on roofs I have spoken to several cleaning contractors and th...
2 3215
by  CatAdjusterXJump to last post
10/12/2011 8:37 PM
3 Replies and 3656 Views Settlement of lost CD's and DVD,s  3656  3 Started by  Ray Hall These UPP losses do not come up much in cat. claims, but are very frequent in regular daily claims on fire and theft losses. Some people love these disk and have them in the auto and the the house when they are a total loss to to ACV value from these two perils. It sounds kinda hard nosed; but these items have very little value when the label is broken and they are palyed several times. I have had claims with 200-300 disk are gone. Some cost 39.95 and some cost 19.95 . some were purchased 15 ye...
3 3656
by  we2Jump to last post
05/23/2011 4:34 PM
1 Replies and 4034 Views McMansions outlawed in Los Angeles  4034  1 Started by  Leland The Mayor of LA announced today that McMansions were being outlawed because they take up to much of the lot, are boxy, ugly, and ruin the neighborhood. Let's say Mr. Smith has a 3800 sq ft. McMansion that burns down and he has $100,000.00 of code upgrade coverage. The city says he can only rebuild 2800 sq feet, because they no longer allow a big box that goes so close to the property line. Mr. Smith can get 3800 sq feet approved if he goes back with another design. The city will allow 3800 sq...
1 4034
by  LelandJump to last post
04/25/2011 7:20 PM
2 Replies and 5323 Views What's In A Definition? - Residence premises  5323  2 Started by  host From the ISO HO3 4/91&160; &160;'Residence premises' means: a. The one family dwelling, other structures, and&160;grounds; or &160; b. That part of any other building; where you reside and which is shown as the&160;'residence premises' in the Declarations. 'Residence premises' also means a two family&160;dwelling where you reside in at least one of the family units and which is shown as the 'residence&160;premises' in the Declarations. &160; For Discussion. &160; You rece...
2 5323
by  Ray HallJump to last post
04/07/2011 12:09 PM
9 Replies and 4856 Views Supervision Labor  4856  9 Started by  ihcalan &160;Hello - I need an opinion. &160; Lately, over the past few months, I've seen more and more contractor's adding the line item 'supervision labor' to estimates. &160;This is above and beyond O&P, and in fact O&P is also placed on this supervision labor. Generally, I've been seeing this on mid sized residential losses - losses in the range of $50K-$150K. &160;When I comment and say supervision is included in O&P, I get a resounding 'No - Overhead is to keep the lights on all ...
9 4856
by  sdnashJump to last post
04/01/2011 2:25 PM
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