He Wasn't Expecting Me To Be There & Didn't Like That I Was There. - Flooring - Contractor Talk

He Wasn't Expecting Me To Be There & Didn't Like That I Was There.

 
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Old 03-21-2019, 06:49 AM   #1
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He Wasn't Expecting Me To Be There & Didn't Like That I Was There.


Got a call recently for an insurance job. Dishwasher leaked & destroyed kitchen floors. Homeowner was out of town for 2 weeks while the water just ran & ran. Ended up shorting out the heating boiler as well, so an upstairs radiator froze & busted. So she's got water damaged floors upstairs & downstairs.

This is a turn of the century home, with original hardwood floors throughout the entire house, upstairs & down, flowing from room to room with no transitions. Homeowner wants me to measure the damaged area's for replacing some, refinishing some. I asked her why we weren't doing the connecting floors in the other rooms. She said the adjuster didn't approve those floors because they only pay to the doorways. Uhhmmmmmm, you've been given bad information, they should pay for all connecting hardwood to be refinished, you might want to call your adjuster again.


Fast forward a week, she made an appointment for the adjuster to come back & asked if I'd be there. Absolutely. In the meantime, I called a buddy of mine who does water restorations for servicemaster so I could be armed with facts to present to the adjuster. He gave me one sentence to present to the adjuster. "please show the client, in writing, where in her USAA policy, you only pay to doorways & she'll accept the settlement" My buddy assured me, he won't be able to produce that piece of information.

So I show up, I hang back & listen & pay attention. Then the client introduces me to the adjuster & he starts explaining how they only pay to doorways. So I calmly say, no problem, but Vicky is going to need you to produce that policy, in writing. Man oh man, his reaction was priceless, he bout blew a gasket. I think it hit him so hard, because they've already paid out the claim & he thought he'd gotten away with shorting her on the hardwood floors. Demo has already been done to the kitchen & everything has been dried out. The other restoration company gave her our name. I'll have to ask him why he didn't push for having all the floors refinished.

I haven't heard for sure yet if he was able to produce that for her, but I did put her in contact with my buddy in case she has further issues with him. I told her a $200 consultation fee to him would be money well spent if the adjuster gave her more trouble. When I asked him if he'd be willing to talk with the adjuster on her behalf, he said absolutely, I love getting over on insurance companies.

Last edited by pinwheel; 03-21-2019 at 06:55 AM.
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Old 03-21-2019, 07:14 AM   #2
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Re: He Wasn't Expecting Me To Be There & Didn't Like That I Was There.


Awesome, Pin! It would have been a shame to have the floors all cut up and mixed finishes.

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Old 03-21-2019, 07:18 AM   #3
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Re: He Wasn't Expecting Me To Be There & Didn't Like That I Was There.


Quote:
Originally Posted by pinwheel View Post





I love getting over on insurance companies.


Quoting KAP (and others): “if you don’t like insurance companies don’t use them”.
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Old 03-21-2019, 07:30 AM   #4
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Re: He Wasn't Expecting Me To Be There & Didn't Like That I Was There.


Quote:
Originally Posted by Big Johnson View Post
Quoting KAP (and others): ďif you donít like insurance companies donít use themĒ.
The way you edited my quote, makes it look like you're quoting my words, no my buddies.

I like insurance companies, I do quite a few insurance jobs every year & get referrals from local agents & adjusters. Not all adjusters are looking out for the best interests of the clients, especially independent adjusters like the one in this case.
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Old 03-23-2019, 08:12 AM   #5
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Re: He Wasn't Expecting Me To Be There & Didn't Like That I Was There.


I'm just putting the finishing touches on a house that had water damage from frozen pipes, 4 zones with leaks, two feet of water in the basement, tee's blown apart int he walls and split pipes in the ceilings etc, all three toilets froze solid! LOL I had to have the power company pull the meter as the water pump was still running. I thought the insurance adjuster was more than fair. Concord if it matters.
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