Dirty Little Insurance Secret - The Squeaky Wheel Gets The Fair Settlement

By
Real Estate Broker with BrokerInTrust Real Estate Cal BRE #01345507

With the Southern California fires blazing all around me, I thought it might be a good time to talk about Private Insurance Consultants.  Big insurance companies have a dirty little secret.  They systematically deny claims over and over in order to reduce their payout.  It's the squeaky wheel that gets the fair settlement.

Fire calabasasI learned this lesson the hard way.

Several years ago a pipe burst under my kitchen floor.  The water came up from under the floor and damaged many of my cabinets and the wood floors.  I submitted a claim to my Insurance Company and they tried to pay me a few thousand dollars.  The Insurance Company denied most of my claim.

Luckily I had a friend who referred me to his Independent Insurance Consultant, Bob Barton from Barton Consulting who I hired to file my insurance claim.  Bob worked with the Insurance Company's adjuster and a Mold Contractor to complete an estimate for a complete repair of my kitchen including mold remediation.  After only a few months, I ended up with a check for more than $60,000.  I was able to have my kitchen completely repaired.

Bob Barton of Barton Consulting is now a part of my on-call real estate team. 

I recently was on a listing appointment and while touring the home, I smelled mold.  When we got to a room off the garage, I couldn't believe what I saw.  Because of an un-repaired roof leak, there was mold growing in the room.  I immediately called Barton Consulting.  After visiting with my client, Bob filed a claim for roof damage and mold remediation.  My client has now collected a sizable check from his insurance company and is in the process of repairing his damaged roof.  Instead of listing a handy man special, I will now be listing a home in good repair.  Needless to say, my client is thrilled with this extra service.

The fires that are burning here in Southern California cause more problems than burned homes.  There is also smoke and water damage.  Many insurance policies even cover mandatory evacuation costs and will reimburse hotel stays. 

If you have smoke damage, (when you move a picture on the wall you can see a clean outline) your insurance company will pay to have your home steamed and cleaned, but only if you understand how to file the claim.  It pays to hire a professional Independent Insurance Consultant.

If your home has been fire damaged partially or totally because of these fires, it is important to hire an expert to help recover the costs necessary to rebuild your home and your life.  You would be surprised at what an insurance policy will cover, but you have to know what to ask for in order to reap the benefits.  Unfortunately Insurance Companies don't volunteer this information to their clients.

If you would like more information on filing an insurance claim, please call Bob Barton at Barton Consulting.  Bob has helped thousands of families repair their lives after a disaster.  He has a staff of contractors, mold testers, attorney's and other professionals that will assist you in getting the compensation that you deserve.  Bob's company works in most states.  I highly recommend this company for your personal loss or your client's losses.  You can visit Barton Consulting's website or call 1-800-994-9680.

close

This entry hasn't been re-blogged:

Re-Blogged By Re-Blogged At
Spam prevention

Accessibility option: listen to a question and answer it!

To submit the form,
drag the printer to the circle on the side.

Type below the answer to what you hear. Numbers or words, lowercase:

Location:
California
Tags:
insurance
fire
calabasas
malibu

Comments 31 New Comment

Anonymous
Post a Comment
Spam prevention

Accessibility option: listen to a question and answer it!

To submit the form,
drag the envelope to the circle on the side.

Type below the answer to what you hear. Numbers or words, lowercase:

Rainer
66,710
Darleen McCullen
Broker - Raleigh, NC Real Estate
Tracey, Did your insurance company terminate your coverage when you were up for renewal? I've heard that they sometimes do that or raise your premiums.
October 24, 2007 12:13 AM
Rainmaker
111,562
Tracey Thomas
CA Real Estate Broker
BrokerInTrust Real Estate

Michael - You can use an independent insurance consultant for any homeowners claim for you or your clients.  It makes a big difference.

Christy - I'll have to check for this movie.

Darleen - No, my insurance premium was not raised and I had no problem with renewal.  I was concerned about this also but have had no problems.  This is why we pay our premiums to have coverage.  Don't be afraid to use it.

October 24, 2007 12:18 AM
Ambassador
534,458
Frank Rubi
Homes for Sale Metairie, La.
Frank Rubi Real Estate, LLC.
Tracey, being in the landlord or property management I am all together to learn on the insurance game. Pre Hurricane Katrina experiences pay off with my rather large Hurricane Katrina claims. You better bring your A game when expecting to get your fair insurance settlement. The good people on the west coast may think they survive the fire but have not face the insurance company heat. It is ashame that insurance company who you pay year in and year out don't wont to pay when due.
October 24, 2007 05:44 AM
Rainmaker
325,145
Esko Kiuru

Tracey,

This is invaluable information for any homeowner. It's sad to read that insurance companies appear to routinely short-change policy holders on their claims. Especially in bigger claims the best way to go is hire someone like Bob Barton.

October 24, 2007 03:43 PM
Rainmaker
34,692
Jon Mitchell
Classic Property Management
Excellent advice Tracy...I find that being the squeaky wheel is generally the best option when it comes to money matters!  LOL!  I will keep your blog in mind if I come across someone with a fire damaged home.
October 24, 2007 05:00 PM
Anonymous
Post a Comment
Spam prevention

Accessibility option: listen to a question and answer it!

To submit the form,
drag the envelope to the circle on the side.

Type below the answer to what you hear. Numbers or words, lowercase:

Rainmaker
111,562

Tracey Thomas

CA Real Estate Broker
Ask me a question
*
*
*
Spam prevention

Accessibility option: listen to a question and answer it!

To submit the form,
drag the music-note to the circle on the side.

Type below the answer to what you hear. Numbers or words, lowercase:

Additional Information

 
I believe there is more to Real Estate than showing property and taking listings. I have over 25 years of marketing experience plus I'm a self proclaimed computer nerd and love Real Estate technology.

I invite you to contact me regarding the sale of your home. When called upon, I will show up, on time and prepared. You can be sure that a one hour investment talking with me will yield at least one or more priceless ideas!