A friend/ adjuster told me recently that during 05' storm season, Florida Citizens was requiring it's adjusters (incl. independ.) to research the insureds history and past photos to make sure that damages that were paid for previously aren't paid again.  His complaint was the fact that it took so much more time to process a claim by doing all the extra research. Has anyone else encountered this situation or did I maybe misunderstand what he was saying?

 

Thanks

You understood..... However, the carriers are not required or expected to pay for damage that has alresdy been addressed. It falls on the adjuster to determine the loss that has ocurred during the event he is adjusting.

When I worked H/Rita for Allstate, they initially asked us to research if they had a previous claim within the last 3 yrs, but after a few weeks, Allstate revised it and said to just let it pass.