If you read Mr. Gilway’s response closely you will note that he doesn’t actually refute any of the facts stated in the original article. In fact he confirms that at least 25% of Citizens policyholders who elect to choose their own contractor rather than have the insurance company select them are going to be adversely affected by the $10,000 water loss sub-limit. How on earth is that consumer friendly?
Seems like a lot less problem for the client if they use the managed care program rather than some outfit that shoves an AOB form in front of them. Free water extraction even if the claim isn’t covered. How can that be anti consumer? If the bad apples (and there are more than a couple) would have abandoned the worthless and unnecessary AOB form then none of this would be a problem. Citizens is not the first to adopt these limits and they won’t be the last. So the real question is what will the next niche be that attorneys and vendors latch on to. So far we have dealt with Mold, Sinkhole and now AOB/bad PA’s. Anyone want to take a shot?
Insurance companies in general always lose at mediation or in court or at appraisal! Why? In my experience it Is because they are wrong. Adjusters are beholden to the insurance company that hires them by law. So when the adjuster and the insurance company and the contractor get together, you can expect them to do what is in their best interests, not yours! Do you truly believe that having a contractor from a list of insurance company approved contractors forced on you is in your best interest! Do you truly believe that having your Insurance companies adjuster, who is not a construction professional determine the value of the loss? The insurance companies hate AOB so much that they now basically want you to give them a defacto AOB! If you are forced into a M an aged Repair situation you should Immediately consult an attorney.
Manage repair situation is very simple. Your insurance company wants to have the defacto AOB. That’s right, the payer on the insurance contract wants to control the costs and the scope of damage, yet they are totally incompetent to do so. I’m 25 years in the industry I can tell you that almost every claim is severely underwritten as to cost and scope, And you want consumers to trust them to do the right thing? One thing that would severely curtail AOB cost would be for the adjuster to write a fair and accurate estimate for the consumer from the start. Remember that AOB became very popular when the insurance companies decided to abandon “fair and reasonable” and incorporate “the McKinsey report” standard ……lowball Claims and make the consumer fight for what is fair and reasonable. AOB became very popular when the insurance industry decided to abuse customers and contractors by not paying…. The insurance industry brought on this AOB situation by their conduct in the marketplace …and the consumer should trust them.?
If you read Mr. Gilway’s response closely you will note that he doesn’t actually refute any of the facts stated in the original article. In fact he confirms that at least 25% of Citizens policyholders who elect to choose their own contractor rather than have the insurance company select them are going to be adversely affected by the $10,000 water loss sub-limit. How on earth is that consumer friendly?
ludicrous
Seems like a lot less problem for the client if they use the managed care program rather than some outfit that shoves an AOB form in front of them. Free water extraction even if the claim isn’t covered. How can that be anti consumer? If the bad apples (and there are more than a couple) would have abandoned the worthless and unnecessary AOB form then none of this would be a problem. Citizens is not the first to adopt these limits and they won’t be the last. So the real question is what will the next niche be that attorneys and vendors latch on to. So far we have dealt with Mold, Sinkhole and now AOB/bad PA’s. Anyone want to take a shot?
They already are entering the auto insurance area with glass claims.
Insurance companies in general always lose at mediation or in court or at appraisal! Why? In my experience it Is because they are wrong. Adjusters are beholden to the insurance company that hires them by law. So when the adjuster and the insurance company and the contractor get together, you can expect them to do what is in their best interests, not yours! Do you truly believe that having a contractor from a list of insurance company approved contractors forced on you is in your best interest! Do you truly believe that having your Insurance companies adjuster, who is not a construction professional determine the value of the loss? The insurance companies hate AOB so much that they now basically want you to give them a defacto AOB! If you are forced into a M an aged Repair situation you should Immediately consult an attorney.
Manage repair situation is very simple. Your insurance company wants to have the defacto AOB. That’s right, the payer on the insurance contract wants to control the costs and the scope of damage, yet they are totally incompetent to do so. I’m 25 years in the industry I can tell you that almost every claim is severely underwritten as to cost and scope, And you want consumers to trust them to do the right thing? One thing that would severely curtail AOB cost would be for the adjuster to write a fair and accurate estimate for the consumer from the start. Remember that AOB became very popular when the insurance companies decided to abandon “fair and reasonable” and incorporate “the McKinsey report” standard ……lowball Claims and make the consumer fight for what is fair and reasonable. AOB became very popular when the insurance industry decided to abuse customers and contractors by not paying…. The insurance industry brought on this AOB situation by their conduct in the marketplace …and the consumer should trust them.?