There are thousands of stories out there just waiting to be told about how lives have been changed when a Case or Claim was denied. Please share those stories with Case Denied so you can not only tell your story but hopefully help others. If you are not sure if your story would qualify as a Case Denied Story, send it in anyway and let us take a look at it.
Jeff
DISCLAIMER: All Blogs and Blog Posts written by, created by, edited by, reviewed by and published by the Owner, Editor or Designer, Jeff Weiss, Jeffrey M Weiss or Weiss, are just "opinions! There is absolutely no "legal" bases or claimed legal bases for any of the statements. These "Blogs" and "Stories" are posted only for the enlightenment of the readers. When actual names are used the Reader should verify all the statements before formulating an opinion of their own. Nothing in any of these Posts should be considered "FACT" until the reader has verified it for themselves. Those who Post a response or reply do it at their own peril and this Blog Post and its owners do not share in or carry any liability or responsibility for their comments.
Monday, August 29, 2011
Sunday, August 28, 2011
"Irene" Here come the "Adjusters!"
Hundreds if not thousands of Staff, Independent and Cat (Catastrophe) adjusters are either already in or headed to the East Coast. Before the water dries and the winds calm down adjusters will be hitting whats left of the streets to try and inspect and make their recommendations on coverage and payment for the damages. Those without insurance or those who have their claim denied will seek FEMA for assistance.
Three things can happen if your claim is investigated at the very beginning. You will be paid, but most likely not enough and your claim may require a supplement. You will be told that "coverage" is pending and someone will be in contact with you. Or third your claim will be denied on the spot (for various reasons). Also in some States there will be "Public Adjusters" who represent you the Policy Holder. Again in most States they take 6% of the total amount recovered. In some cases they can be beneficial, however you must realize the process or procedure they take does take longer.
The best thing any property owner can do is to not sign anything until they have "all" the facts. Facts concerning what potential assistance they can get from FEMA, what their own policy covers and what is going on in the City and area they are in.
Also, while there are very good and experienced contractors in and around the East Coast, be assured that many from far away are also flocking to the East. Property owners need to be extreamly cautious in who they talk to, and who they let work on their property. Also never give any kind of advance money to anyone even if they say they can not start work without it. Contractors may tell you that if you do not sign up with them now you will not be able to sign up later as there are so many needing their services. Again, best to wait a bit longer and be sure.
Check with your neighbors, Government authorities and of course the Internet to verify everything. It is best to spend the time up front making sure all is in line, then trying to clean up not only the storms mess but the mess of paperwork that is left behind.
Also please send your ongoing stories and experiences to www.casedenied.com so others can possibly assist and or be warned of things to look out for. Your best First Line Responders when it comes to your property is "You."
Jeff
DISCLAIMER: All Blogs and Blog Posts written by, created by, edited by, reviewed by and published by the Owner, Editor or Designer, Jeff Weiss, Jeffrey M Weiss or Weiss, are just "opinions! There is absolutely no "legal" bases or claimed legal bases for any of the statements. These "Blogs" and "Stories" are posted only for the enlightenment of the readers. When actual names are used the Reader should verify all the statements before formulating an opinion of their own. Nothing in any of these Posts should be considered "FACT" until the reader has verified it for themselves. Those who Post a response or reply do it at their own peril and this Blog Post and its owners do not share in or carry any liability or responsibility for their comments.
Three things can happen if your claim is investigated at the very beginning. You will be paid, but most likely not enough and your claim may require a supplement. You will be told that "coverage" is pending and someone will be in contact with you. Or third your claim will be denied on the spot (for various reasons). Also in some States there will be "Public Adjusters" who represent you the Policy Holder. Again in most States they take 6% of the total amount recovered. In some cases they can be beneficial, however you must realize the process or procedure they take does take longer.
The best thing any property owner can do is to not sign anything until they have "all" the facts. Facts concerning what potential assistance they can get from FEMA, what their own policy covers and what is going on in the City and area they are in.
Also, while there are very good and experienced contractors in and around the East Coast, be assured that many from far away are also flocking to the East. Property owners need to be extreamly cautious in who they talk to, and who they let work on their property. Also never give any kind of advance money to anyone even if they say they can not start work without it. Contractors may tell you that if you do not sign up with them now you will not be able to sign up later as there are so many needing their services. Again, best to wait a bit longer and be sure.
Check with your neighbors, Government authorities and of course the Internet to verify everything. It is best to spend the time up front making sure all is in line, then trying to clean up not only the storms mess but the mess of paperwork that is left behind.
Also please send your ongoing stories and experiences to www.casedenied.com so others can possibly assist and or be warned of things to look out for. Your best First Line Responders when it comes to your property is "You."
Jeff
DISCLAIMER: All Blogs and Blog Posts written by, created by, edited by, reviewed by and published by the Owner, Editor or Designer, Jeff Weiss, Jeffrey M Weiss or Weiss, are just "opinions! There is absolutely no "legal" bases or claimed legal bases for any of the statements. These "Blogs" and "Stories" are posted only for the enlightenment of the readers. When actual names are used the Reader should verify all the statements before formulating an opinion of their own. Nothing in any of these Posts should be considered "FACT" until the reader has verified it for themselves. Those who Post a response or reply do it at their own peril and this Blog Post and its owners do not share in or carry any liability or responsibility for their comments.
Saturday, August 27, 2011
A Claim Delayed can become a Case Denied
The longer your "claim" is delayed, the better the odds that it will most likely be Denied. Most, not all Insurance Companies train their adjusters to first look to verify coverage. Then they are to look for possible "exclusions" or potential reasons to deny the claim.
While there are numorous reasons for the insurance companies to look first to deny the claim, you also have to understand the volume of claims they receive. As with any business you need to filter out what you can so you can use your limited resources on those things that need your attention. However, if the insurance companies would hire more adjusters and limit the number of claims each one handles, I'm sure the adjusters would be looking to find or provide coverage versus trying to deny.
My suggestion would be if you are going to file a claim, you need to read your insurance policy first. This means that you should actually read the policy well before you need to. You need to remember that the adjusters are trained to read the policies and you are not. Make sure you know or at least have a good idea of what the insurance company will do when you present your claim. If you are not surprised by their decision, you have done your homework. Yes you need to report your claim timely, but you also need to read your policy and understand your coverage and exclusions.
Jeff
DISCLAIMER:
All Blogs and Blog Posts written by, created by, edited by, reviewed by and published by the Owner, Editor or Designer, Jeff Weiss, Jeffrey M Weiss or Weiss, are just "opinions! There is absolutely no "legal" bases or claimed legal bases for any of the statements. These "Blogs" and "Stories" are posted only for the enlightenment of the readers. When actual names are used the Reader should verify all the statements before formulating an opinion of their own. Nothing in any of these Posts should be considered "FACT" until the reader has verified it for themselves. Those who Post a response or reply do it at their own peril and this Blog Post and its owners do not share in or carry any liability or responsibility for their comments.
While there are numorous reasons for the insurance companies to look first to deny the claim, you also have to understand the volume of claims they receive. As with any business you need to filter out what you can so you can use your limited resources on those things that need your attention. However, if the insurance companies would hire more adjusters and limit the number of claims each one handles, I'm sure the adjusters would be looking to find or provide coverage versus trying to deny.
My suggestion would be if you are going to file a claim, you need to read your insurance policy first. This means that you should actually read the policy well before you need to. You need to remember that the adjusters are trained to read the policies and you are not. Make sure you know or at least have a good idea of what the insurance company will do when you present your claim. If you are not surprised by their decision, you have done your homework. Yes you need to report your claim timely, but you also need to read your policy and understand your coverage and exclusions.
Jeff
DISCLAIMER:
All Blogs and Blog Posts written by, created by, edited by, reviewed by and published by the Owner, Editor or Designer, Jeff Weiss, Jeffrey M Weiss or Weiss, are just "opinions! There is absolutely no "legal" bases or claimed legal bases for any of the statements. These "Blogs" and "Stories" are posted only for the enlightenment of the readers. When actual names are used the Reader should verify all the statements before formulating an opinion of their own. Nothing in any of these Posts should be considered "FACT" until the reader has verified it for themselves. Those who Post a response or reply do it at their own peril and this Blog Post and its owners do not share in or carry any liability or responsibility for their comments.
Friday, August 26, 2011
Deductibles / What's in a Name?
The first story since the Name change will be something that has just happened to me!
At the start of this year I had Health Insurance with a company called "Star-Mark" "Trust-Mark" and I had a $2000.00 deductible. April 1, 2011 the company moved it's group coverage to United Health Care. As I had met my $2000.00 deductible United Health Care gave me credit for it. Then at the end of June 2011 the company I had worked for was no longer going to offer me Health Insurance so I contacted United Health Care. They told me about a Portability Policy I could get with one of there other companies Pacific Care. Then I find out that Pacific Care which is owned by United Health Care would not give me credit for the $2000.00 deductible I had already paid. Also come January 1, 2012 I would have yet another $2000.00 deductible.
I did file a complaint with the DOI and I did get a standard response from United Health Care. In short it was not a policy benefit to waive the deductible. I will of course follow up with the DOI and continue my quest for "justice."
Interestingly United Health Care went out of their way to let me know how fortunate I was that Pacific Care would even insure me with preexisting conditions.
Thank you Pacific Care!
Jeff
DISCLAIMER:
All Blogs and Blog Posts written by, created by, edited by, reviewed by and published by the Owner, Editor or Designer, Jeff Weiss, Jeffrey M Weiss or Weiss, are just "opinions! There is absolutely no "legal" bases or claimed legal bases for any of the statements. These "Blogs" and "Stories" are posted only for the enlightenment of the readers. When actual names are used the Reader should verify all the statements before formulating an opinion of their own. Nothing in any of these Posts should be considered "FACT" until the reader has verified it for themselves. Those who Post a response or reply do it at their own peril and this Blog Post and its owners do not share in or carry any liability or responsibility for their comments.
DISCLAIMER:
All Blogs and Blog Posts written by, created by, edited by, reviewed by and published by the Owner, Editor or Designer, Jeff Weiss, Jeffrey M Weiss or Weiss, are just "opinions! There is absolutely no "legal" bases or claimed legal bases for any of the statements. These "Blogs" and "Stories" are posted only for the enlightenment of the readers. When actual names are used the Reader should verify all the statements before formulating an opinion of their own. Nothing in any of these Posts should be considered "FACT" until the reader has verified it for themselves. Those who Post a response or reply do it at their own peril and this Blog Post and its owners do not share in or carry any liability or responsibility for their comments.
Wednesday, August 24, 2011
Name Change! Now "Case Denied"
The original Blog was "share your insurance stories", now changed to "Case Denied" This site is dedicated to those "real people" who's life has been changed, when a claim they filed was "denied." It can be a Medical, Auto, Property / Casualty claim or any request you made that was denied. I'm hopeful that this site with all the stories that will be collected in one place, others will not only see how this impacted your life, but may help them to avoid the same pitfalls.
Sharing does several things, one of which is to let others know the pain and suffering you experienced by the denial, and another is to "warn" those that might be in the same situation.
Please send your Case Denied Stories to me at jeffweiss@casedenied.com
Also visit my web site www.casedenied.com
Jeff
Sharing does several things, one of which is to let others know the pain and suffering you experienced by the denial, and another is to "warn" those that might be in the same situation.
Please send your Case Denied Stories to me at jeffweiss@casedenied.com
Also visit my web site www.casedenied.com
Jeff
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