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Re: Class action against State Farm Insurance in Florida
Posted by Greg Weatherman on 10/27/04
DD,
Have at it. I'm sure there are more more people affected who
could compare notes with lawyers. Where there is smoke, there is
fire. The general level of imcompetence I have witnessed is
appalling.
I'm hearing there are arguments still ongoing from Hurricane
Irene a year ago.
Regards,
Greg Weatherman
aerobioLogical Solutions Inc.
Arlington VA 22202
gw@aerobiological.com
******************************************
On 10/27/04, dd wrote:
> FF,
> Where is Bono when you need him? Send in the clowns, there
> ought to be clowns.
>
> Seriously, all the immediate coverage they can get will turn
> the tide.
>
> Greg, do you mind if I send your post to some media outlets?
>
> DD
>
> On 10/27/04, ff wrote:
>>
>>
>> I stand corrected, in this situation. Media coverage,
>> celebrities, hoopla, all is needed here, and now.
>>
>> ff
>>
>>
>>
>> On 10/27/04, Greg Weatherman wrote:
>>> To anyone interested,
>>>
>>> I am looking for anyone in central Florida who feels they
>>> have gotten the run-around by insurance adjusters.
>>>
>>> I have recently been working in central Florida in the
>>> huricane ravaged areas. I have tested homes and found
>>> unacceptable moisture content levels (0.7 Aw or higher)in
>>> gypsum board above the 4 foot line. We have been told by
>>> every State Farm insurance adjuster they will only cover 4
>>> feet of wallboard removal - even though the water sat in
>>> the house for several days to a week.
>>>
>>> One adjuster claimed FEMA mandated the 4 foot level for
>>> coverage under the National Flood Insurance Program
>>> (NFIP). We have made calls to FEMA and found this to be a
>>> complete fabrication. A State Farm adjuster even admitted
>>> this fact to several witnesses when we put them on the spot
>>> at a later date.
>>>
>>> State Farm adjusters are saying their is no coverage for
>>> mold even though FEMA's website says otherwise. The truly
>>> sad part is the knowledge gained from North Carolina after
>>> they were hit by 2 hurricanes in one year is public
>>> knowledge. One of my partners is a former independent
>>> ajduster. He indicates the adjusters of today are poorly
>>> trained and told the canned response when they are dealing
>>> with a catastrophic event like a hurricane. From what I've
>>> seen, he is right on mark. They can't even read a simple
>>> document for the amount of coverage for additional living
>>> expenses (ALE).
>>>
>>> What the homeonwers don't know is the part that is a kick
>>> in the pants:
>>>
>>> If an adjuster lowballs the the cost to fix covered
>>> damages, the structure will not be done right. If the
>>> structure is not done right, you can't sell the property.
>>> You will now have an economic loss since you will be forced
>>> to sell at a lower price or no sell at all.
>>>
>>> You might buy one of these home and find it moldy. Your
>>> insurance will not cover any pre-existing problems while
>>> you go belly-up.
>>>
>>> More than one resident in Port Orange FL have publically
>>> complained at a town hall meeting about the behaviour or
>>> State Farm and Allstate. The mayor has told the residents
>>> to go after them for bad faith if they are lowballing the
>>> jobs. The mayor is a general contractor and understands
>>> the dilemna.
>>>
>>> Even worse, their are firms who are engaging in remediation
>>> according to their own scope of work. These firms do not
>>> have professional insurance. Usually CGL policies do not
>>> cover professional acts. This means a homeowner has no one
>>> to pursue if the job is botched and the house left moldy. I
>>> find it ironic an insurance company like State Farm allows
>>> contractors to engage in activities that put the policy
>>> holders in economic and/or finacial risk due to insurance
>>> coverage issues.
>>>
>>> Regards,
>>>
>>> Greg Weatherman
>>> aerobioLogical Solutions Inc.
>>> Arlington VA 22202
>>>
>>> gw@aerobiological.com
>>>
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