I don't know how you lasted a month! At home, I boil water and pour it through the electric drip coffee maker. Not very satisfactory.
Here, if you get a public adjuster who differs from the carrier's, they demand arbitration, which is expensive and usually results in a compromise. I had one case where, after the arbitrators set a compromise amount, they said they would appeal unless we agreed to a 25% reduction of that amount. Most people just can't afford to fight them unless the claim is quite large. Dan Matyola http://www.pentaxphotogallery.com/danieljmatyola On Mon, Nov 5, 2012 at 9:14 AM, Walt <[email protected]> wrote: > It was about four years ago when I processed claims for them out of a call > center, here in Kentucky. > > I can't remember if New Jersey has public adjusters like PA and NY, but if > so, they're a pretty good avenue when the insurance company starts jerking > you around. That's something you might consider passing along to people who > are getting the runaround. They generally get every dime they possibly can > from insurance companies (for a cut of the action, obviously). > > I don't know if you already have a contractor in mind for repairs, but if > not, that ought to be a top priority. And, if it's at all possible, you > should arrange for them to be on-site when the insurance adjuster does his > inspection. That helps to speed the process along since they can often come > to a preliminary agreement on the payout right there on the spot, and the > contractor can point out damage that the adjuster might otherwise miss > (ignore?). > > I know how you feel WRT the lack of electricity and other amenities. When we > had the ice storm here in 2009, we were without power for over a month. > Fortunately, we had a gas grill and water heater and one of those ventless > gas fireplaces -- then, eventually, a generator. And, if there was anything > good to come out of the whole thing, it was the fact that I had percolated > coffee for the first time in many years. I actually missed it once the > electricity was returned. > > -- Walt > > > On 11/5/2012 7:53 AM, Daniel J. Matyola wrote: >> >> Thanks, Walt. >> >> I don't know where or when you processed claims for Allstate, but they >> are know among NJ Attorneys for being the most difficult Insurance >> Company with which to deal. I have had three clients whom have had >> extremely unpleasant dealings with them. Both my mother and my sister >> worked for Allstate years back, and they were never like that. >> >> We are now in our seventh day of no heat or electric at home, and it >> is getting very tiresome. To add insult to injury, there was a (very >> minor) earthquake in North Jersey this morning, and we are expecting >> Nor'easter sometime Wednesday. I have several friends whose homes >> have private wells and septic systems; they don't even ha ve water, >> let alone hot water, which we do have, so I count my blessings. The >> office i pretty much back to normal. >> >> My polling place is a local school, which is still out, so we are >> supposed to vote in a trailer behind the municipal building. Jersey >> is also allowing people to vote by fax or email; one submits an >> application for absentee ballot by fax or email, they send you back >> the ballot, and you return it the same way. >> >> Dan Matyola >> http://www.pentaxphotogallery.com/danieljmatyola >> >> >> On Mon, Nov 5, 2012 at 8:20 AM, Walt <[email protected]> wrote: >>> >>> Sorry to hear it's taking so long to get back to civilization, Dan. But, >>> I >>> am glad you didn't suffer greater losses than you did. >>> >>> I used to process homeowners claims for Allstate and always advised >>> people >>> to itemize the contents of their freezers and refrigerators since most >>> homeowners policies do cover food loss. I can't tell you how many people >>> I >>> talked to who had thrown everything out without making a list or any kind >>> of >>> estimate, on the assumption that it wasn't covered. >>> >>> Hang in there. Hope they get you back up and running soon, and suspect >>> your >>> son is more than happy to do what he can for you right now. >>> >>> -- Walt >>> >>> >>> >>> On 11/4/2012 3:26 PM, Daniel J. Matyola wrote: >>>> >>>> We are still without power, phone, heat, refrigerators, TV or internet >>>> at home. I am visiting my son in Somerville, who never lost power, to >>>> get warm and check emails. >>>> >>>> I thought we had escaped without damage, but I found out late >>>> yesterday that two large tree were downed at our rental house, and >>>> damaged the attached garage and broke the window and window frame of >>>> the neighboring house. I visited the site today, and called the >>>> insurance company (USAA) to start a claim. While on the line, I found >>>> out that I have coverage for spoiled food because of the storm. We >>>> gave her an estimate over the phone, and the money was immediately >>>> transferred into my account. I suggest that all those who lost >>>> significant amounts of food check with their carriers. >>>> >>>> I am very weary of the cold, the dark and the boredom at home. I'm >>>> sure my son is tired of his parents coming over to watch TV and check >>>> email, but we are making him a nice dinner. >>>> >>>> Dan Matyola >>>> http://www.pentaxphotogallery.com/danieljmatyola >>>> >>>> >>>> On Sun, Nov 4, 2012 at 11:11 AM, Christine Aguila >>>> <[email protected]> >>>> wrote: >>>>> >>>>> Well, those uprooted trees are pretty dramatic. Sorry to hear about >>>>> your >>>>> power, hope it's restored soon. Stay safe, Dan. Cheers, Christine >>>>> >>>>> >>>>> >>>>> On Nov 2, 2012, at 4:05 PM, Jack Davis <[email protected]> wrote: >>>>> >>>>>> Gas price is less there that here in northern California. That likely >>>>>> doesn't help much. ;-) >>>>>> Hope the services are all back on very soon. >>>>>> Thanks for the snaps, Dan! >>>>>> >>>>>> Jack >>>>>> >>>>>> >>>>>> >>>>>> ----- Original Message ----- >>>>>> From: Daniel J. Matyola <[email protected]> >>>>>> To: Pentax-Discuss Mail List <[email protected]> >>>>>> Cc: >>>>>> Sent: Friday, November 2, 2012 1:23 PM >>>>>> Subject: GESO: Sandy's Visit to My Neighborhood >>>>>> >>>>>> The damage in our area was not severe, but we are without heat and >>>>>> electricity for five days now. The following images are not dramatic, >>>>>> nor do they have any artistic value, but they show what has happened >>>>>> in my immediate area. >>>>>> >>>>>> http://photo.net/photodb/folder?folder_id=1043197 >>>>>> >>>>>> Dan >>>>>> Dan Matyola >>>>>> http://www.pentaxphotogallery.com/danieljmatyola >>>>>> >>>>>> -- >>>>>> PDML Pentax-Discuss Mail List >>>>>> [email protected] >>>>>> http://pdml.net/mailman/listinfo/pdml_pdml.net >>>>>> to UNSUBSCRIBE from the PDML, please visit the link directly above and >>>>>> follow the directions. >>>>>> >>>>>> >>>>>> -- >>>>>> PDML Pentax-Discuss Mail List >>>>>> [email protected] >>>>>> http://pdml.net/mailman/listinfo/pdml_pdml.net >>>>>> to UNSUBSCRIBE from the PDML, please visit the link directly above and >>>>>> follow the directions. >>>>>> >>>>> -- >>>>> PDML Pentax-Discuss Mail List >>>>> [email protected] >>>>> http://pdml.net/mailman/listinfo/pdml_pdml.net >>>>> to UNSUBSCRIBE from the PDML, please visit the link directly above and >>>>> follow the directions. >>> >>> >>> >>> -- >>> PDML Pentax-Discuss Mail List >>> [email protected] >>> http://pdml.net/mailman/listinfo/pdml_pdml.net >>> to UNSUBSCRIBE from the PDML, please visit the link directly above and >>> follow the directions. > > > > -- > PDML Pentax-Discuss Mail List > [email protected] > http://pdml.net/mailman/listinfo/pdml_pdml.net > to UNSUBSCRIBE from the PDML, please visit the link directly above and > follow the directions. -- PDML Pentax-Discuss Mail List [email protected] http://pdml.net/mailman/listinfo/pdml_pdml.net to UNSUBSCRIBE from the PDML, please visit the link directly above and follow the directions.
