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See Why You Really Are The EnemyAbout Ron Cercone, a public insurance claim advocate.
 

Insurance Claims Advice and Help eBooks






For Help in Presenting Your Insurance Claim:
        Insurance Claim Law 
        Unfair Claim Settlement 
        Insurance Claim Denied 
        Insurance Claim Questions 
        Insurance Claim Procedure

  

 

Homeowners Loss Claim Advice - Deluxe With Appendix

This 202 page reference has proven ideas and techniques to arm you against the adjuster. It covers many aspects (building, contents, additional living expense, other coverages, etc.) of a homeowner property claim for many perils including fire, water, wind, hail, earthquake and hurricane or flood loss. It includes many of the individual eBooks for sale at UCLAIM.com. The Appendix is highlighted along with Ron’s valuable comments.

View more details and eBook DOWNLOAD page (click here)

Table of Contents

TABLE OF CONTENTS............................................................................................................ 1

INTRODUCTION.................................................................................................................... 4

Insurance Claims Are Disagreeable................................................................................. 4

Myths Dispelled................................................................................................................ 4

About Your Attitude and Morale....................................................................................... 4

About the Adjuster's Attitude and Morale........................................................................ 5

BATTLE PREPARATIONS....................................................................................................... 5

'Battle Gear'..................................................................................................................... 6

General Battle Principals................................................................................................. 6

'Estoppel'......................................................................................................................... 7

LET THE GAME BEGIN (YOUR FIRST MOVES)....................................................................... 8

Game Plan A (If you have this document from the date of loss)................................... 8

Loss Day ...................................................................................................................... 8

Contents Pack Out and Storage.................................................................................. 10

The Day After the Loss Day ....................................................................................... 11

Game Plan B (If you have this eBook a few days up to several years after the loss)

Correcting Your Mistakes ............................................................................................... 11

'ALE' (ADDITIONAL LIVING EXPENSE) vs. FRV 'FAIR RENTAL VALUE'............................... 12

'Fair Rental Value'(FRV)................................................................................................. 13

'ALE' (additional living expense)................................................................................... 14

Time Period for ALE........................................................................................................ 15

BUILDING STRUCTURE CLAIM............................................................................................ 16

'REPAIR COST' NEGOTIATIONS........................................................................................ 16

Bid Comparison Worksheet (a waste of everyone's time).............................................. 17

Contesting the Adjuster`s Estimate (or his contractor's estimate)................................ 17

About the Insurer's Contractor.................................................................................. 19

Acting as your own contractor (or doing your own repairs).......................................... 20

BUILDING STRUCTURE     'ACTUAL CASH VALUE' (ACV)     SETTLEMENT............................ 21

'ACV of the Repairs' (based on a repair estimate)......................................................... 22

'ACV of the Entire Structure Value'  (based on a real estate appraisal)......................... 24

'How to Deal With a Low Ball Appraisal'.................................................................... 26

OTHER BUILDING STRUCTURE CLAIM CONSIDERATIONS.................................................. 27

Making a Choice - 'Repair, Rebuild or Cash out'............................................................. 27

Zoning........................................................................................................................ 28

Salvage Value............................................................................................................ 28

Hazardous Materials.................................................................................................. 28

Code Improvements – (how to get coverage without an endorsement).......................... 29

Choosing a Contractor................................................................................................ 30

'Coinsurance Penalty Trap'........................................................................................ 31

Common Adjusters’ Structure Claim Arguments – (and your suggested reply)............ 31

CONTENTS CLAIM............................................................................................................... 32

CONTENTS PACKED OUT & STORED................................................................................... 33

PAYMENT FOR RESTORATION........................................................................................... 34

CONTENTS INVENTORY LIST............................................................................................. 34

SPECIAL ITEMS OF CONCERN - ALL COVERAGES................................................................ 37

‘Proof of Loss’ (form)...................................................................................................... 37

'Replacement Agreement' (form)................................................................................... 38

Tape Recorded Statement............................................................................................. 39

Acting as Your Own Contractor...................................................................................... 40

Salvage on Contents and Building................................................................................ 40

'Examination Under Oath'............................................................................................. 40

Cashing the Check......................................................................................................... 40

Supplemental Claims.................................................................................................... 40

FAQS (Frequently Asked Questions)............................................................................. 41

The Deductible.............................................................................................................. 41

OTHER COVERAGES AND ENDORSEMENTS........................................................................ 41

'OTHER COVERAGES'...................................................................................................... 41

ENDORSEMENTS............................................................................................................. 41

1. Replacement Cost on Contents Endorsement...................................................... 42

2. Extended or Guaranteed Replacement Cost Endorsement (on structure).......... 42

3. Building Code Improvements Endorsement......................................................... 42

READING YOUR POLICY (the quick and easy way).......................................................... 44

Special Considerations When Reading Your Policy...................................................... 45

About Policy Form Numbers and Edition Years............................................................ 46

'BURDEN OF PROOF' (is it on you or the insurer?).......................................................... 46

USING THE LAW TO HELP YOU......................................................................................... 46

HARD BALL TACTICS........................................................................................................ 48

1.    Small Claims Court................................................................................................ 48

2.    Better Business Bureau Sponsored Arbitration.................................................... 48

3.    News Media............................................................................................................ 49

4.    Picketing................................................................................................................ 49

5.    Other Guerilla tactics............................................................................................ 49

6.    'Policy Appraisal'.................................................................................................. 49

7.    Litigation............................................................................................................... 51

PROFESSIONAL HELP   (Public Adjusters)...................................................................... 52

FINAL NOTE..................................................................................................................... 52

APPENDIX TO HOMEOWNERS LOSS – ALL ASPECTS......................................................... 53

These appendix documents are samples of insurance claims documents that I have critiqued. My notes are handwritten in the margins as well as in blue text boxes. My notes are followed by my initials 'rc'. These documents may not be the latest versions and should only be used as a guide to show you how to critique your own unique documents.

A - The Policy.......................................................................................................................

A1 - 'Certification Page' sample of a certified policy.................................................................

A2 - 'Declarations Page, 2 samples' (2 pages).........................................................................

A3 - Endorsement and Policy name number list (5 pages)........................................................

A4 - 'CRPID', California Residential Property Insurance Disclosure, (3 pages)............................

A5 - Sample ISO HO3 policy 1991 (19 pages).........................................................................

A6 - Sample ISO HO3 policy 2000 (22 pages).........................................................................

A7 – Sample Contents Replacement Cost endorsement............................................................

B - Building Structure Claim.................................................................................................

B1 – 'Bid Comparison Worksheet' sample (4 pages)................................................................

B2 - Contractor and adjuster various 'itemized' estimate styles, 4 samples (4 pages).................

B3 - Additions to Estimate list, one hand written and one typed (10 pages)................................

B4 - Repair Estimate Depreciation sample (4 pages)................................................................

B5 - Depreciation Guidelines for Building Structure by Marshall & Swift (1 page).........................

B6 - Low Ball Appraisals, 3 samples (43 pages)......................................................................

B7 - Title Company comparable sales reports, 4 samples (11 pages)........................................

B8 - Code Improvement, without endorsement, Clinton Miller publication (3 pages)....................

C – Contents Claim/Miscellaneous......................................................................................

C1 - Contents Inventory Sheet (your own) 3 samples completed (3 page).................................

C2 - Depreciation charts for contents, 2 samples (2 pages)......................................................

C3 - Proof of Loss forms, 2 completed samples (4 pages)........................................................

C4 - Release Forms, 2 samples (2 pages)..............................................................................

C5 - Additional Living Expense Report (1 page)......................................................................

C6 - “Replacement Agreement” (1 page)................................................................................

 

 


   
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