It seems ungrateful to complain or talk about issues with the insurance company when there are so many folks that have no insurance - I can't even imagine the processes and waiting times and uncertainties and frustrations and despair.
However, we are nearing the two week mark since our adjuster came to the house and we haven't seen any paperwork - no estimates, no working proposals, no advancement of funds to get started. I am sure that the work load for the adjusters is large, and growing larger with the flooding and wildfire damage happening in Florida and the Northwest. But, this is the nature of their work. It seems easy to give the insurance company a pass, but I don't think we should.
What is the remedy? I am not sure. Patience.? Persistence.?
Here is a summary of the phone conversations I have had today:
Call #1 - claims company: no record of cash advancement request. let me transfer you. "disconnected"
Call #2 - claims company: wait to do any repairs, claims report is there but the evaluation of the report not complete.
Call #3: - insurance company: cash advancement form has been received, but not authorized (in the que). you can request a preliminary report by email request, or more quickly by contacting the claims company. once you receive the money advance start repairs.
Call #4 - claims company: there are currently 43,000 claims. preliminary reports are not made available for view. final reports can take 45 days, sometimes longer when there are a high number of claims.
We're in a catch 22. We have someone ready and willing to do the work,
but we don't have the insurance estimate (even preliminary) outlining
what they are going to cover. Do we move forward? To the folks working the customer service lines: While you take calls and see tragedies all day long - here is hoping that compassion is not lost and that claims aren't just numbers, but rather people.
No comments:
Post a Comment