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Hail Claims Can Be Settled Through Appraisal

Posted by Joe Brennan | Posted in Homeowners Insurance, Independent Appraiser, Insurance Advice, Insurance Claims Help, Insurance Dispute | Posted on 05-28-2010

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With the proper assistance you can resolve a hail claim dispute with your insurance company, as well as any other insurance problem you may incur. It is untrue for people believe the only way to fight an insurance claim is in a court of law. If you do decide to handle it in such a manner it will require a ton of money and twice as much effort. You will also need to be sure the policy you authorized with the insurance company will even allow you to do such a thing. Read the rest of this entry »

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(C) Joe Brennan is President and owner/operator of Insurance Claims Group, Inc., a national independent adjusting, appraisal, and umpiring firm. We will answer your claim questions FREE as part of our FREE Insurance Advice and Insurance Claim Consulting Services.

Insurance Claims Group, Inc.
Joe Brennan
Ph: 919-669-9111
Fx: 919-573-9595
info@insuranceclaimsgroup.com

Insurance Claim Help and questions about Independent Appraiser Services is available by visiting Insurance Claims Group | Insurance Appraisal Services | Insurance Appraisal Process | Insurance Appraisal Umpire | Fire Insurance Claims

Insurance Advice for Fire Flood & Tornado

Posted by Joe Brennan | Posted in Fire Insurance Claims, Homeowners Insurance, Independent Appraiser, Insurance Advice, Insurance Claims Help, Insurance Dispute | Posted on 04-27-2010

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Simple insurance advice after a fire, flood or tornado is critical to obtaining a fair settlement.

Unexpected events really do occur, in spite of our natural tendency to anticipate or prevent them. Dealing with damages caused by fire, water or tornadoes is one of those unpredictable incidents that no one wishes to endure. Due to their unforeseen nature, such events are the most alarming and destructive, both from a financial point of view and from a generally human one. Flooding, due to astronomically influenced phenomena such as high tides and heavy rainfall, while fire damage mainly occurs in deadly combinations of grease, open burner fire, water and electricity that causes heat combustion. In most cases, these incidents can be accidental, or involuntary, even premeditated. Tornadoes are more unpredictable. No matter what form or fashion, these events can be catastrophic. Read the rest of this entry »

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(C) Joe Brennan is President and owner/operator of Insurance Claims Group, Inc., a national independent adjusting, appraisal, and umpiring firm. We will answer your claim questions FREE as part of our FREE Insurance Advice and Insurance Claim Consulting Services.

Insurance Claims Group, Inc.
Joe Brennan
Ph: 919-669-9111
Fx: 919-573-9595
info@insuranceclaimsgroup.com

Insurance Claim Help and questions about Independent Appraiser Services is available by visiting Insurance Claims Group | Insurance Appraisal Services | Insurance Appraisal Process | Insurance Appraisal Umpire | Fire Insurance Claims

Appraisal Umpires Should Be COMPETENT & IMPARTIAL

Posted by Joe Brennan | Posted in Appraisal Umpire, Independent Appraiser | Posted on 03-21-2010

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In the event that a policyholder or the insurance company invoke appraisal via the insurance appraisal clause, the two appraisers must choose an umpire.  Most policies require that the two independent appraisers must attempt to select and agree upon the Insurance Appraisal Umpire within 15-days of the two appraisers being named.  The chosen appraisal umpire must be an impartial, unbiased, and disinterested party in the outcome of the appraisal award. Read the rest of this entry »

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(C) Joe Brennan is President and owner/operator of Insurance Claims Group, Inc., a national independent adjusting, appraisal, and umpiring firm. We will answer your claim questions FREE as part of our FREE Insurance Advice and Insurance Claim Consulting Services.

Insurance Claims Group, Inc.
Joe Brennan
Ph: 919-669-9111
Fx: 919-573-9595
info@insuranceclaimsgroup.com

Insurance Claim Help and questions about Independent Appraiser Services is available by visiting Insurance Claims Group | Insurance Appraisal Services | Insurance Appraisal Process | Insurance Appraisal Umpire | Fire Insurance Claims

Fire Damage and Dealing With Incompetent Insurance Company Adjusters

Posted by Joe Brennan | Posted in Fire Insurance Claims, Homeowners Insurance, Independent Appraiser, Insurance Claims Help, Insurance Dispute | Posted on 03-20-2010

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The majority of policyholders who have ever been a victim of a fire or has suffered damages to their property (home, business, etc.) from fire damage claims will make costly mistakes during and after the claim has been settled. Unfortunately there always seems to be one grossly expensive mistake that most all policyholders make. It’s so simple that it’s hard to believe that people don’t even realize they have done it. Can you even imagine that many policyholder’s who has suffered a fire will rely solely on the insurance company adjuster’s opinion? They allow their adjuster to inspect their property, evaluate and process the claim, and create an estimate for the entire fire insurance claim… Without Any Questions. Read the rest of this entry »

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(C) Joe Brennan is President and owner/operator of Insurance Claims Group, Inc., a national independent adjusting, appraisal, and umpiring firm. We will answer your claim questions FREE as part of our FREE Insurance Advice and Insurance Claim Consulting Services.

Insurance Claims Group, Inc.
Joe Brennan
Ph: 919-669-9111
Fx: 919-573-9595
info@insuranceclaimsgroup.com

Insurance Claim Help and questions about Independent Appraiser Services is available by visiting Insurance Claims Group | Insurance Appraisal Services | Insurance Appraisal Process | Insurance Appraisal Umpire | Fire Insurance Claims

How Insurance Appraisal Clause Works

Posted by Joe Brennan | Posted in Appraisal Umpire, Fire Insurance Claims, Homeowners Insurance, Independent Appraiser, Insurance Claims Help, Insurance Dispute | Posted on 03-16-2010

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In the event of an insurance claims dispute, the Insurance Appraisal Clause within an insurance policy allows the two parties to settle the dispute using independent appraisers. The policyholder contracts an insurance appraiser, who is independent, to assess the value to the damages to their property. The insurance company hires a separate appraiser as well. The two appraisers together will select an appraisal umpire. The umpire is sort of like an arbitrator or judge. If the two appraisers cannot agree on a certain damages, the umpire makes a verdict. As long as one of the appraisers agrees with the umpire, that disagreement is settled. The umpire may agree with one independent appraiser about one point and agree with the other appraiser on another point. Eventually all points and disagreements are settled. Read the rest of this entry »

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(C) Joe Brennan is President and owner/operator of Insurance Claims Group, Inc., a national independent adjusting, appraisal, and umpiring firm. We will answer your claim questions FREE as part of our FREE Insurance Advice and Insurance Claim Consulting Services.

Insurance Claims Group, Inc.
Joe Brennan
Ph: 919-669-9111
Fx: 919-573-9595
info@insuranceclaimsgroup.com

Insurance Claim Help and questions about Independent Appraiser Services is available by visiting Insurance Claims Group | Insurance Appraisal Services | Insurance Appraisal Process | Insurance Appraisal Umpire | Fire Insurance Claims

Insurance Dispute Answers

Posted by Joe Brennan | Posted in Fire Insurance Claims, Homeowners Insurance, Independent Appraiser, Insurance Claims Help, Insurance Dispute | Posted on 03-11-2010

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An increasing number of insurance policyholders have found themselves involved deeply in an insurance dispute about claim damage.  Insurance disputes can be financially devastating.  A common feeling of most policyholders is that insurance companies are there to actually help them in times of need. Sometimes, that is completely true, however with larger claims, it can feel like you are being taken advantage of. Read the rest of this entry »

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(C) Joe Brennan is President and owner/operator of Insurance Claims Group, Inc., a national independent adjusting, appraisal, and umpiring firm. We will answer your claim questions FREE as part of our FREE Insurance Advice and Insurance Claim Consulting Services.

Insurance Claims Group, Inc.
Joe Brennan
Ph: 919-669-9111
Fx: 919-573-9595
info@insuranceclaimsgroup.com

Insurance Claim Help and questions about Independent Appraiser Services is available by visiting Insurance Claims Group | Insurance Appraisal Services | Insurance Appraisal Process | Insurance Appraisal Umpire | Fire Insurance Claims

Fire Insurance Claims – Don’t Get Burned By Your Adjuster

Posted by Joe Brennan | Posted in Fire Insurance Claims, Homeowners Insurance, Independent Appraiser, Insurance Advice, Insurance Claims Help, Insurance Dispute | Posted on 02-25-2010

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fire-claim-adjusters-blindMost policyholders who have suffered damages to their property (home, business, etc.) from a fire insurance claim usually makes costly mistakes during and after the claim settlement. However, there is always one extremely expensive mistake that almost all policyholders make over and over again. What’s worse is that they do it without even knowing it. The most costly mistake is – Most policyholders only rely on the insurance company’s adjuster to inspect, process, and estimate the complete fire insurance claim without any questions. They accept the insurance adjuster’s complete evaluation without any comparisons, estimates from their own contractors, or a review by a fire insurance claim professional. This will be the most costly mistake you would ever make in your entire lifetime. Read the rest of this entry »

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(C) Joe Brennan is President and owner/operator of Insurance Claims Group, Inc., a national independent adjusting, appraisal, and umpiring firm. We will answer your claim questions FREE as part of our FREE Insurance Advice and Insurance Claim Consulting Services.

Insurance Claims Group, Inc.
Joe Brennan
Ph: 919-669-9111
Fx: 919-573-9595
info@insuranceclaimsgroup.com

Insurance Claim Help and questions about Independent Appraiser Services is available by visiting Insurance Claims Group | Insurance Appraisal Services | Insurance Appraisal Process | Insurance Appraisal Umpire | Fire Insurance Claims

An Appraisal Umpire May Be Your Best Chance To Resolve An Insurance Claim Dispute

Posted by Joe Brennan | Posted in Appraisal Umpire | Posted on 02-17-2010

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Disputes, especially when it comes to settling insurance claims, are not new scenarios. In fact, they take place every day. Just what causes these disputes? Well, one of the obvious reasons is most policyholders believe that they deserve to be paid a larger settlement than what they have received. Second, many insurance companies are trying to pay as little as possible on a claim. And third, claims are sometimes denied. All of which can result in a dispute. Read the rest of this entry »

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(C) Joe Brennan is President and owner/operator of Insurance Claims Group, Inc., a national independent adjusting, appraisal, and umpiring firm. We will answer your claim questions FREE as part of our FREE Insurance Advice and Insurance Claim Consulting Services.

Insurance Claims Group, Inc.
Joe Brennan
Ph: 919-669-9111
Fx: 919-573-9595
info@insuranceclaimsgroup.com

Insurance Claim Help and questions about Independent Appraiser Services is available by visiting Insurance Claims Group | Insurance Appraisal Services | Insurance Appraisal Process | Insurance Appraisal Umpire | Fire Insurance Claims

Independent Appraiser Uses Policy To Protect Policyholders

Posted by Joe Brennan | Posted in Fire Insurance Claims, Homeowners Insurance, Independent Appraiser, Insurance Advice, Insurance Claims Help, Insurance Dispute | Posted on 02-17-2010

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independent-appraisers-and-umpireIndependent Appraiser Uses Policy To Protect Policyholders

Almost all insurance policies have an appraisal clause that allows the parties of the insurance contract to resolve disputes that may arise during a claim.  Appraisal is for the “amount of loss,” only.  This is the amount of monies it will cost to fully complete the repairs caused by the claim damages.  For instance; policyholders could be forced to use an independent appraiser to settle their differences with the insurance company, using the appraisal process to protect their interests.

In a recent Texas case, JM Walker, LLC v. Acadia Insurance Company, reveals how an independent appraiser and the appraisal process protected a policyholder from mistakes made by the insurance company.  Mistakes that could have cost the policyholder “hundreds of thousands of dollars!”  Each situation can be a bit different simply by how the appraisal clause is worded in the policy, by the type of damage that occurred, and by all the facts pertaining to the loss.

In this situation, JM Walker owned five buildings in North Richland Hills, Texas.  A hailstorm caused damages to the roofs of the five buildings. Walker submitted a claim to his insurance company, Acadia.  However, at first Acadia denied the claim after their adjuster determined that the roofs did not need to be fully replaced, and that the damage that was caused by the hail, did not reach the $5,000 deductible that applied to the policy.

Mr. Walker disagreed with that assessment from the insurance company’s adjuster.  The two parties could not agree, so Acadia executed its contractual right to appraisal.  At first, Mr. Walker tried to litigate the matter in court by filing a lawsuit.  However, the Judge advised that the parties should continue with the appraisal process.  It is not uncommon for judicial courts to suggest this process, as most policies require that all policy provisions be exhausted before entering the courtroom.

Independent Appraiser Were Used

The appraisal process includes two independent appraisers (one hired by each party) and an appraisal umpire.  If the independent appraisers cannot agree on an amount of loss they can submit their differences to the umpire.  The umpire in this appraisal process found on behalf of JM Walker and produced an award for the amount of loss at $423,053.96.  Appraisal awards are binding, therefore, Acadia paid the amount.  (You may recall that their first offer was $0, because they determined the loss to be below the $5,000 deductible.)

JM Walker tried filing an appeal to the United States Fifth Circuit. It was Walker’s belief that he was entitled to more hail damage proceeds and was also seeking additional money for what he believed was “bad faith” actions by Acadia with their miss handling of the claim.

The Court ruled that under Texas law, “appraisal awards made pursuant to the provisions of an insurance contract are binding and enforceable, and every reasonable presumption will be indulged to sustain an appraisal award.”  The Court also ruled that an otherwise binding appraisal may only be overturned in only three situations:

(1) when the award was made without authority;
(2) when the award was made as a result of fraud, accident, or mistake; or
(3) when the award was not in compliance with the requirements of the policy.”

Mr. Walker diligently tried to argue on all three points.  However, the court dismissed his rebuttal on all three.  This appraisal and case is a good resource showing the respect the Texas courts have for the appraisal process. It is my opinion that the Independent Appraiser and the insurance appraisal process protected the policyholder in this situation.  Mr. Walker should be happy the policy had such a clause.  The work that the Independent Appraiser did during this Appraisal was responsible for Walker receiving $418,053.96 over what the insurance carrier said they owe on the claim.

Independent Appraiser Assistance

If you should ever find yourself in an insurance claim dispute with your insurance company, you should truly consider calling an Independent Appraiser to explore your options with the insurance appraisal process.  Independent Insurance Appraisal Services is all we do.  Feel free to call Insurance Claims Group, Inc. at 919-669-9111 to have all your independent appraiser questions answered at NO COST.

Related:
Insurance Appraisal Process – http://www.insuranceappraisalprocess.com
How The Insurance Appraisal Process Works

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(C) Joe Brennan is President and owner/operator of Insurance Claims Group, Inc., a national independent adjusting, appraisal, and umpiring firm. We will answer your claim questions FREE as part of our FREE Insurance Advice and Insurance Claim Consulting Services.

Insurance Claims Group, Inc.
Joe Brennan
Ph: 919-669-9111
Fx: 919-573-9595
info@insuranceclaimsgroup.com

Insurance Claim Help and questions about Independent Appraiser Services is available by visiting Insurance Claims Group | Insurance Appraisal Services | Insurance Appraisal Process | Insurance Appraisal Umpire | Fire Insurance Claims