rodgersbestgen
New member
Hi guys. Thanks for the help i know you will provide.
I had lots of damages to my home due to hurricane 2 years ago ( Florida). The insurance company (lender placed insurance) decided the damages were not from the hurricane even though it was crystal clear.
Got a private adjuster who sucked and take forever to do anything. Ex: he would ask me to send him pictures to send to the insurance that was sent to him 2 months ago. He would advise me not to do things that he will later say why didn't u do x y and z and I'm like cause u told me not to... (long story)
Now the insurance company cut me a check for 65k to fix everything. A lot of the work has already been completed by me. Ex: they paid 5k for my fence, i have a friend that works with a fence company that came and fixed it with me. The screen patio was messed up, i already fixed it. That's another 2.5k. I did a lot of the work. The check was issued under my name and the mortgage company name. They had to endorse and return it to me. They just hold it and put it in a separate account. What they are saying now is I HAVE TO complete the repairs with contractors and send them the contractors bill and THEY will pay the contractors. They made it clear they won't give me any money. I told them that the homeowner insurance even told me i can complete the work myself if i wanted, they were like nope. We won't pay you for any work because we are not sure u did it right. According to them, I HAVE TO hire contractors for everything. Now, if i don't hire a contractor for the fence for except example, the money they receive for the fence will not be given to me. They refused to say whether they will keep it or send it back to insurance but made it clear, I won't get any of it.
Entren worst, they say i have to pay the adjuster out of my pocket. I signed that he gets 10% of the claim, they say that's fraud, i can sue to get the insurance to pay them but the money they receive is for repair and repair only.
Is that the way this works? My adjuster is just mad that i send them the check to endorse. What he wanted me to do is endorse it and send it back to him and i have ZERO trust in him.
How do i get out of this?
I had lots of damages to my home due to hurricane 2 years ago ( Florida). The insurance company (lender placed insurance) decided the damages were not from the hurricane even though it was crystal clear.
Got a private adjuster who sucked and take forever to do anything. Ex: he would ask me to send him pictures to send to the insurance that was sent to him 2 months ago. He would advise me not to do things that he will later say why didn't u do x y and z and I'm like cause u told me not to... (long story)
Now the insurance company cut me a check for 65k to fix everything. A lot of the work has already been completed by me. Ex: they paid 5k for my fence, i have a friend that works with a fence company that came and fixed it with me. The screen patio was messed up, i already fixed it. That's another 2.5k. I did a lot of the work. The check was issued under my name and the mortgage company name. They had to endorse and return it to me. They just hold it and put it in a separate account. What they are saying now is I HAVE TO complete the repairs with contractors and send them the contractors bill and THEY will pay the contractors. They made it clear they won't give me any money. I told them that the homeowner insurance even told me i can complete the work myself if i wanted, they were like nope. We won't pay you for any work because we are not sure u did it right. According to them, I HAVE TO hire contractors for everything. Now, if i don't hire a contractor for the fence for except example, the money they receive for the fence will not be given to me. They refused to say whether they will keep it or send it back to insurance but made it clear, I won't get any of it.
Entren worst, they say i have to pay the adjuster out of my pocket. I signed that he gets 10% of the claim, they say that's fraud, i can sue to get the insurance to pay them but the money they receive is for repair and repair only.
Is that the way this works? My adjuster is just mad that i send them the check to endorse. What he wanted me to do is endorse it and send it back to him and i have ZERO trust in him.
How do i get out of this?