NJ Public Adjuster

15/06/2025

Another day, another IPA flight...

14/05/2025

If you want to watch the whole hearing:

https://www.c-span.org/program/senate-committee/hearing-on-insurance-industrys-practices-after-natural-disasters/659785?fbclid=IwY2xjawKQtqFleHRuA2FlbQIxMQABHhxdsX8c_Oh4jwZkbGpVNF2TkqNrsS4P8_JyZu-4pk-YU0aJGPrpCR6og4D0_aem_prRbLDxkrn9TiEwbVdhTgw

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14/05/2025

A clip from the senate hearing today:

https://x.com/HawleyMO/status/1922406584539591143?t=Z6tzbSaLEAueRUBFaYJ1DA&s=01

This is just the tip of the ice burg. Massive, decades long defrauding of customer claims in the name of greed. Fraud perpetrated on their own customers.

RICO. RICO. RICO.

Delay tactics destroy businesses. People lose their homes. Kickbacks from preferred contractors. Recoverable depreciation is infrequently recovered. The corruption runs deep. I'm a member of the American Policy Holders Association who finally succeeded in getting congress to listen.

Americans and American businesses need to demand justice and reparations.

Perhaps now you understand why I protect and defend policy holders.

22/03/2025

https://youtu.be/j5re7zBzrJk

I continue to watch the downfall of families and businesses who aren't indemnified. My opening advice to insured, start/keep a journal and don't wait to be funded by you carrier. The new slogan for Insurance companies: "We don't care what the policy says. We're not covering it. Whatcha gonna do aboudit?"

Adjusters in Florida say insurance companies altered Hurricane Ian damage reports to underpay homeowners. Whistleblowers detail what they found."60 Minutes" ...

03/03/2025

Insurance Claim Paradoxes:

My employment and life keeps me too busy to address my loss.
If you repair and mismatch, they will use this as grounds to deny coverage.
Once you notify a claim, all carriers can see your loss on your CLUE report and refuse to insure your property
Property with a mortgage that cannot be insured will have a forced lace policy for the mortgage that the homeowner will pay without being a beneficiary. It will only cover the mortgaged value.
If you allow an insurance company to succeed with these tactics to avoid payouts they are validated.
When the carrier fails to properly indemnify properties, they create uninsurable properties, contractor liability and urban decay.

21/10/2024

The lack of accountability, erosion of business ethics and lax statutory enforcement are going to be the downfall of insurance. I have little faith in my medical, auto liability and property insurance will properly indemnify me should I need coverage. Responsibility for what is going on is all encompassing. People are apathetic regarding their responsibilities to maintain their properties and health, believing that underwriters will pay in full for indemnification. We continue to build in floodplains and on the beaches knowing we can divest the risk to the rest of the population intelligent enough to build and live in areas less prone to catastrophic losses. We sell and eat toxic food banned in other countries. Meanwhile the underwriters work at such a slow pace that no one truly recovers from losses without serious consequence. Small businesses fail more frequently than they recover from catastrophic losses. And finally, those charged with oversite allow the same infractions time, and time again rendering non-compliance inconsequential.

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12/08/2024

I wonder how long it will take for the banks and lending institutions to figure out that insurance policies are not securing their financial interest in properties. With so many loopholes and coverage gaps, most small claims are not covered and/or are being falsely denied. When repairs are not expedited, properties are exposed to more damage.

Mortgage companies are not cooperating with Public Adjusters who hold the underwriters accountable to indemnify losses which protects their mortgage interests. Delays in recovery expose properties and businesses to insolvency.

Are our legislators are so fixated on rewarding election campaign funding, so focused on procuring financial gain that they allow language in policies that will the is destabilizing our financial system? Are we staffing our government with people who lack critical thinking skills? Are patience and delayed gratification passe? What happens when the banks catch on?

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21/06/2024

The pinnacle of Abraham Maslow's Hierarchy of emotional needs is altruism, which is in part what drew me to Public Adjusting as I enter my 7th decade of life. Those with claims big or small claims need guidance though the ever more complicated process, and perhaps this would be how I “gave back”. It has been, at times, extremely rewarding.

When my counterparts approach a loss with integrity, the interaction is professional and respectful and productive. We may have differences, but these are supported by interpretation of data and not personalized. They are debated until an impasse is reached. Sometime the impasse is escalated and sometimes we agree to disagree. Regardless, I’m grateful for our interaction and the wisdom these professionals have shared with me.

Today, claims adjusters are taught to ghost entirely. Don’t return telephone calls. Don’t respond to email communications. New hires are indoctrinated and read scripts rather than being educated about coverage, mitigation and restoration. It seems they have never critically read the policy that indemnify the losses. They don’t understand that they were contracted to provide a service. Few could define the purpose of insurance in three words.

But the worst thing I encounter: Seasoned competent adjusters, that understand their responsibilities to their customers, have been stripped of their autonomy and authority. Shame on you for disgracing your most valued assets, our profession, and the industry.

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30/01/2024

The insurance industry spends at lease 5+ billion dollars annually on advertising. A 30 second spot for Super Bowl 2024 costs 7 million dollars. State Farm signed a celerity rep deal with Arnold Schwarzenegger to act as a spokesman, likely at 1 million per 30 second spot? Let's say they have 4 spots, before as a teaser, 1st qtr., halftime, and end of game. 8*4= 32M

How much will other Insurance companies spend on Super Bowl 2024 ads? My premiums paid for these in part. I must have agreed to a subscription for entertainment when I signed my policy contract for insurance...

Don't miss seeing how your premiums are being spent. Look for logos on the stadium, and on LED screens, and the blimp and per the announcers. It's nauseating.

https://www.statista.com/statistics/264968/ad-spend-of-selected-insurance-companies-in-the-us/ #:~:text=Ad%20spend%20of%20selected%20insurance%20brands%20in%20the%20U.S.%20in%202022&text=In%202022%2C%20GEICO%20ranked%20as,invested%20in%20measured%20media%20spending.

10/11/2023

https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=53625
Congratulations to the the legislature in Kentucky for effectively eliminating representation for their citizens regarding 95% of Property Damage Claims. First, make sure your education system is failing. Then, dupe the population into electing representatives for the businesses instead of for the people. How many business and properties were forever lost from the tornados per insurance claims that were never paid? It's easy to pick on the real public advocates. Try capping attorney fees and see what happens.

You have no shame. ,

10/11/2023

Evidently you can now lower your premium while increasing the State Farm Executive Bonuses by modifying your coverage with the State Farm HO-2816 endorsement capping water losses at $5,000. Congratulation to SF on finding another way to get Insurance Commissioners to approve a form that undermines the ability of property owners to recover from losses. This cap may not cover the mitigation never mind the restoration costs.

29/10/2023

https://www.google.com/search?q=jake+state+farm&rlz=1C1UEAD_enUS975US975&oq=jake+state+farm&gs_lcrp=EgZjaHJvbWUyDwgAEEUYORiDARixAxiABDIHCAEQABiABDIHCAIQABiABDIHCAMQABiABDIHCAQQABiABDIHCAUQABiABDIHCAYQABiABDIHCAcQABiABDIHCAgQABiABDIHCAkQABiABNIBCjk1NTM5ajBqMTWoAgCwAgA&sourceid=chrome&ie=UTF-8 =ive&vld=cid:d5d63791,vid:bTNiweGySc4,st:0