Every time you deal with an insurance company, realize your dealing with a theif. The more dealings I have with them, the more I realize it. My advise, get a lawyer that deals with insurance before you sign anything. Never bring a knife to a gunfight! Michael R. Martin > Date: Wed, 1 Apr 2009 08:34:01 -0600 > Subject: [m-w] Next Step - Would be Appreciative of any opinions/advice > anyone has > From: kathi.pieper@xxxxxxxxx > To: r.pieper@xxxxxxx; m-w@xxxxxxxxxxxxx; lamartin@xxxxxxxxxx > > So, I got a call yesterday from John Niemeyer, insurance adjuster for > American Family. He had been out of town all last week for a funeral > - his 2-year-old nephew wandered into a pool area and drowned. > > He wanted to update me on several items. One was that he had spoke > with Mike Blanchard, Aurora Fire investigator who has still not > determined the cause of the fire. He has deemed it accidental with > undetermined origin. > > John has a theory that the electrical meter may have been the cause. > He was very concerned at how charred and destroyed the meter was > inside and thinks that something malfunctioned in the meter, blew the > glass cover off and sparks from the inside of the meter caused the > fire. I mentioned to him again that the power went out for a couple > of hours on Monday and that for the last month or so when the heater > kicked on, the TV had been making a popping noise. I had no idea what > might have been causing the popping and had mentioned it to Chris that > I should probably have someone look at it but wasn't even certain who > to contact. > > Anyway, I had to give John two recorded statements - one regarding the > fire and another regarding my level of insurance coverage. Turns out > that I am approximately $125,000 underinsured on the value of the > house. > > John advised that he took a recorded statement from Steve on how he > determined the value of the house. Steve used a software program and > came up with an exact value on the house of $123,100. Best estimate > on replacement is $225,000. John was quick to say that Steve did > nothing wrong and that he will request reformation of the policy in > order to cover the loss. He advised that what might be required is > for me to come up with the difference in premiums from inception of > the policy to date and the value of the policy would be changed to > what it will actually cost to replace. He also told me off the > recording that he had done these before, the software was faulty and > that Steve had done nothing wrong. > > So - here is my question. When I bought the house, or was in the > process of buying, I sent Steve the appraisal that I received that > clearly stated that I was paying $129,000 and that the comps were > between $168 and $186,000. Why would it be left up to me to pay the > premium difference if they screwed up? Should I even be concerned with > the amount of the difference in premium if they replace the house with > a new and better one? I asked John how many deductibles they were > planning to hit me with and he confirmed that there is only one - for > the replacement of the house and not 3 for the three "buckets" of > stuff - possessions, temp living and replacement of the house. John > is saying that the premium difference will be less than $1000 but I > guess I don't really agree with why I have to foot the bill for their > mistake. He also told me that I have $92,400 on personal property and > that his initial assessment is that we will exceed 80% of that based > on the fire. Apparently that is also where the asbestos abatement > money is supposed to come from - and the left over 20% is not near > enough. Does that mean I will not get replacement of my > possessions????? > > I was told not to worry about any of this and that it would take him > approximately two weeks to get the decision from management on whether > or not they would approve to reform the policy. Donnelle with ICA is > supposed to have someone go over today and pull out the furniture > (deja vu - I was told this two weeks ago) Dad made to see if it can be > recovered. > > I am somewhat at my wits end and now second guessing how great I have > been treated so far. It is almost like I have been wooed and the > really ugly stuff is about to begin. John mentioned twice in the > unrecorded portions of the call that I just needed to trust him and > that he had dealt with these issues many times and would make certain > all was handled in a just manner. > > Should I waiit and see or is it possibly time to find an attorney and > take the chance that he will become wealthy and I will have a suitcase > of charred shit to show for the last 58 years? > > Thanks for your advice > > Kathi > _________________________________________________________________ Rediscover Hotmail®: Now available on your iPhone or BlackBerry http://windowslive.com/RediscoverHotmail?ocid=TXT_TAGLM_WL_HM_Rediscover_Mobile1_042009