We were out of town for a couple of months when we returned the house was ransacked and several expensive things were stolen.(tv, all terrain vehicles, lawn mower). When the adjuster came he didnt even looked at the broken windows or any of the other damage. He said there might be a clause in policy for house unoccupied for more than 30 days. He came back 1 1/2 wks later saying there wasnt a clause like that. He took pics and now is requesting are proof of household income for the past 3 yrs. We do have another claim for wind and water damage that occured while we were gone. They said it has to be a seperate claim even though we told them about all of it at the same time. I dont think are income should have anything to do with it. Its just not there business, really. Please let me know if its legal and if I have to let them know.
2006-07-22 04:43:45 · 9 answers · asked by dog lover 1 in Politics & Government ➔ Law & Ethics
Yes I am an insurance adjsuter and the reason why we DO have the right to ask for that information is so we can see if it may be a case of fraud. We often find out after researching the financial records of individuals that they were having money troubles so they hatched a plan and tried to turn it into us to help get themselevs out of debt. You have nothing to fear from sharing your information if you have been honest with us.
2006-07-22 04:50:42 · answer #1 · answered by kindfirez 3 · 1⤊ 0⤋
You don't. Your income is none of their business. If the adjuster persists, tell him that you will take the matter to the state insurance commissioner, and then do so.
2006-07-22 11:49:38 · answer #2 · answered by Anonymous · 0⤊ 0⤋
My personal opinion is that your household income should have nothing to do with it - providing you are up-to-date on premiums. With that said, if it is in the contract (and how many of us read through all that thing) you are out of luck.
2006-07-22 11:46:42 · answer #3 · answered by TheHumbleOne 7 · 0⤊ 0⤋
You have a great point and I agree with you. Ask them why they need it, ask him the reasoning behind it and if the reason he gives you is unsatisfactory don't give it to him. Insurance companies will find anyway they can to screw you out of your claim.....that's how they profit. Good Luck and stand your ground!
2006-07-22 11:47:13 · answer #4 · answered by The Angry Stick Man 6 · 0⤊ 0⤋
what matters is what your contract says
get a copy of your contract and read it carefully
see if their is anything in your contract relating to your income
see if their is anything relating to their rights in an investigation
ask the adjuster why he wants that information
if they will not fullfill their end of the contract, including timliness, you may have to get a lawyer to help you
2006-07-22 11:49:41 · answer #5 · answered by enginerd 6 · 0⤊ 0⤋
there a lousy insurance company that wants to make money. Find different insurnace, what there asking is legal, but they have no right
2006-07-22 11:49:43 · answer #6 · answered by Leon K. 3 · 0⤊ 0⤋
Your proof of income aint got **** to do with your insurance. Tell them, I make enough to pay my insurance to yall. That's all you need to know.
2006-07-22 11:46:58 · answer #7 · answered by lost_carolina 3 · 0⤊ 0⤋
yes they do , it is part of an investigation of insurance fraud , regardless what your income was or is wouldn't make or break the case but it will help them
2006-07-22 11:53:47 · answer #8 · answered by Anonymous · 0⤊ 0⤋
hire a lawyer
2006-07-22 11:51:49 · answer #9 · answered by Anonymous · 0⤊ 0⤋