Should my Insurance be responsible???

Question

My apartment was burglarized in July I had renters insurance, they received my claim saying it was not forced entry. I called the officer that was called to my apartment and he said he noted on the first page that it was a forced entry the insurance person came out and took pic of the broken door and now the ins. agent has quit and the pics are in her possesion, she never turned them in. i have the police report stating forced entry but can they deny my claim for not having the pics? I feel abused because I pay them every month and they are giving me the run around help???

Answer 1

No, it's not up to YOU to take the pix, it's up to the ADJUSTER to take the pix (not your agent, btw). So if the ADJUSTER quit, the pictures should still be floating around.

THIS is when you call your AGENT, and ask them to intercede.

Have they denied the claim in writing? Until they deny it in writing, it's not denied. If they do, send the denial in with a complaint to your state insurance department. Include the BILLS for whatever you needed to do to repair the door, and include the police report stating that there WAS forced entry.

BTW, MOST insurance policies aren't dependent on "forced entry" to pay a theft claim. So that's a bit odd, too.

Answer 2

At this point I would be talking to the Supervisor for the Claims Department and explaining your situation. If your building manager fixed the door, you should be able to get documentation from them to prove that it was forced entry. If you do not get satisfaction after providing the Supervisor with proof, I would send them a letter certified mail and note that you are sending a copy to the Insurance Commissioner for your state/jurisdiction. I would then contact the Insurance Commissioner and initiate a formal complaint. If you still don't get resolution, contact an attorney. Also make sure that you read the section in your policy which deals with disputes regarding claims and follow the directions.

Document each and every phone call and make sure you follow up with e-mails or letters. Unfortunately sometimes you get an adjustor that believes their job is never to pay a claim or that the money is coming from their personal checking account.

Good Luck!

Answer 3

Look in your policy wordings. If it specifically states that there must be forced entry before a theft claim will be paid (I highly doubt it), then wait for the insurer to send you there reasons in writing why they are denying your claim, then send a copy of the police report along with your own photos of the broken door to your jurisdiction's regulatory body or ombudsman and let them deal with the insurer. If it does not state in the wordings that there must be forced entry (the letter denying the claim will state the section in the policy that they are basing their denial on), tell the adjuster to get off their *** and pay the claim or you will report them to the state comission.

Answer 4

It is not your fault that the pictures were not found and you do have a police report.

it is time that you played hardball with the insurance company, Write a letter to the President or CEO of the insurance company stating the facts and you displease at the lack of action. At the end of your letter state that if you do not hear satisfactorily from him within ten business days that you will have to go further in order to protect your inters. Sens the letter return receipt requested and of course keep a copy for yourself.

After the ten business days have elapsed you can contact your state insurance department. They will probably want documentation. Send then a copy of the letter, the return receipt and a copy of the police report. You also have recourse to the small claims court.

Good luck

Answer 5

The trick is to document everything. Every time you contact someone there, note the person's name, date and time, along with a sentence or two about the conversation. (If you don't have this about what has happened to date, re-construct it as carefully and truthfully as you can. )
Call the insurance company and get the name of the supervisor of the person who quit. Get another copy of the police report showing forced entry and send him or her a certified copy along with the notes of all your communication to date. Tell the supervisor that you will wait three business days for a response or you will go to the state insurance board for your state to file a formal complaint. Then follow through. (You will find this contact information on your state web site.)
Going through the state board can take a great deal of time, but it is a permanent record of your complaint with the insurance company.
You have another option if you live in a mid-size to large city, often the newspaper or television station will have an ombudsman for consumer complaints. This is a long shot, but believe me, the insurance company will not want to hear about your disagreement on the 6PM news.
(In all your communications, be civil, brief and factual. If they perceive you as being a whiny victim fabricating injustices, they won't take you seriously.)

Answer 6

You are not responsible for providing the evidence of forced entry. The police report is enough. The fact that their agent quit is not your affair. Keep after them. If they procrastinate or try to deny your claim, contact the state insurance commission and file a complaint.

Answer 7

thats an insurance company for you, quick to take your cash and impossible to back you up when the feared happens. hopefully you can get what you are owed, but all insurance companies will find a way not to pay, the fact that their former employee never submitted the photos is reason enough to have the claim denied. insurance companies are from hell.

Answer 8

yes ur insurance is resposible tell the manager of the insurance policie because that wouldnt be right so also u should tell th other people wats happening

Answer 9

http://www.freewebs.com/any-insurance