Posted: 28 Dec 2011 12:34 Post Subject:
Since funds are low, you cannot possibly afford to take your insurance company to court. Who has stopped you from accessing your own personal property and effects (which includes the policy papers)? At this point you should consider contacting the state insurance department and filing a complaint. They take such unfair claims practices very seriously and the offending insurer is dealt with severely.
Posted: 23 Feb 2012 02:18 Post Subject:
Thanks for the information, it is better as our friend suggested, funds are low and you should do the needful to gain access to your property.
Posted: 14 Mar 2012 04:20 Post Subject: Fire Loss
I am very sorry to hear about your loss. I have assisted numerous insureds that have had to endure similar circumstances and I know how devastating and disappointing it can be. The only good news is that you had insurance!
Depending on what state you are in and who the insurance company is you may have a few different options. First of all, if your state licenses Public Insurance Adjusters you would want to start by contacting a reputable one as they are the only adjusters that are licensed to only represent the interests of the insured or policyholder which is you. Another thing to look into is to see if your state has any laws that protect you in the event that you need to engage an attorney to receive the benefits owed under an insurance policy, I know in Florida if you need to engage an attorney after being denied coverage you may be awarded most if not all of your legal expenses.
I am a Florida State Licensed Public Insurance Adjuster and would be happy to assist you and answer any other questions you may have. If you are located outside of Florida please still contact me and I will try to get you in touch with the right people to help you resolve your issue and get back to where you were before the fire.