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Property & Casualty Insurance/Questions Answered by Expert Deanna Terry
| Subject | Date Asked |
| bsrn fire | 5/11/2011 |
| Q: I read your answer about a fire that was very similar to ours which has intrigued me. We had a barn ... A: It is a fine line between structure and other structure, and the line is drawn with attachment. ... | |
| Personal Property | 4/5/2011 |
| Q: My house got on fire after I bought it. I did not have too many things inside but there was a bag ... A: Mr. Lopez, She is your wife. I do not understand why she would not be covered. (her son's items ... | |
| Personal Property claim | 1/15/2011 |
| Q: I need some assistance putting together a personal property list, can someone help? . ... A: Alex, Please email me again and mark "yes" for private. I can then send you my personal contact ... | |
| fire personal property | 12/7/2010 |
| Q: we had a fire in our chicken coop that spread throughout the attic and 75% of our house will need ... A: Andrea, I am sorry for your loss. I also wish to apologize for the delay in answering, I did ... | |
| Resident Resident Relative coverage on secondary residence | 11/25/2010 |
| Q: My brother has a residence in one state, and two condos in another state. One of the condos is a ... A: If a loss occurred it would be very messy. It would likely be the wisest course of action for your ... | |
| Fire loss to personal damage | 11/9/2010 |
| Q: I have suffered from property damage on 8-31-10 and have still not received compensation for the ... A: Mike, I am sorry for your loss. The time frame, depending on the size of the claim and who the ... | |
| fire from blown transformer | 10/27/2010 |
| Q: A squirrel caused a transformer to blow in our neighbors yard which threw sparkes and started a ... A: Brenda, Without reading your insurance contract, I can only answer based on how a situation such as ... | |
| Restoration after Kitchen Fire | 5/19/2010 |
| Q: We had a kitchen fire just last Wednesday, May 12th. We've only seen the adjuster once since, as he ... A: First, I am sorry for the situation you are in. I will address the additional living expenses ... | |
| My house has burnt down | 3/18/2010 |
| Q: My house has burnt down. the shell is still there and now the insurance company has sent me a stack ... A: I will be glad to help you understand the process. However, I can't put everything you need in a ... | |
| personnal property | 3/4/2010 |
| Q: I am wondering if a dishwasher, garage door opener,range hood,and wood stove would be considered ... A: If they were attached at the time of the loss the items are considered dwelling. If they were not ... | |
| Allstate's failure to pay | 3/1/2010 |
| Q: We live in Philadelphia and have had Allstate for our homeowners insurance for many years, without ... A: I am very sorry for your loss. Welcome to AllState...your in good hands. Motto isn't working is it? ... | |
| stolen property, damaged and then recovered by police, no insurance compensation for damage | 2/11/2010 |
| Q: my friends and i have a music studio in a garage owned by one of us. it was broken into and roughly ... A: I can only answer based on the information you have provided for me, I do not know the specific ... | |
| flooring coverage after fire | 2/3/2010 |
| Q: It is a 100 year old house with hardwood floors covered with carpet. We have been paid by the ... A: Ann, I am of the opinion you are entitled to restore the home to pre-existing condition. If ... | |
| Homeowners/Proof of Loss | 1/28/2010 |
| Q: A gentleman (not my client)came to my office today for some help filling out a proof of loss for his ... A: Michelle, Yes, undetermined satisfies the obligation of the insured to fill out the paperwork and ... | |
| house fire contents | 1/25/2010 |
| Q: I had an electrical house fire on DEC 5, 2009. From what the fire department said it started in a ... A: Kim, I am very sorry for your loss. From the sounds of it, you have complied with your policy. ... | |
| Definition of "Dwelling" | 1/21/2010 |
| Q: I am a recent fire victim. My home is a total loss. Our family pet did not survive the fire. We ... A: Denise, I am so very sorry for your loss. Please contact me through a private email. Normally my ... | |
| insurance coverage after our house fire | 12/29/2009 |
| Q: Our house caught on fire after being struck by lighting during a storm. Unfortunately, we were out ... A: Shawn, I have several questions to garner a better understanding of your particular policy before I ... | |
| Renter Fire Threat of Lawsuit by Building Insurance | 12/13/2009 |
| Q: My family recently suffered a fire in their rented apartment. The fire was caused by a grill on the ... A: First, I apologize...I clicked a wrong button so it appears at first you did not receive a response ... | |
| CAR PARTS/KEYS/REMOTES | 12/7/2009 |
| Q: The entire contents of our house was considered a loss after a fire. The policy was 'full ... A: I am sorry for your loss. I suggest you request, in writing, for your insurance company to provide ... | |
| Sworn Statement in Proof of Loss | 10/1/2009 |
| Q: We are in the middle of a home fire claim with California FAIR Plan Association and they use ... A: Yes, you absolutely could be signing away rights. A sworn proof of loss is your signed sworn ... | |
| Personal property fire issues | 9/28/2009 |
| Q: I have received a check for my personal property minus depreciation hinging upon replacement within ... A: The actual cash value money is yours to do with as you like. However, the insurance company only ... | |
| Fire damage | 9/24/2009 |
| Q: My sons house caught fire a few months ago. They have been waiting on the insurance to settle with ... A: Something is not right here. I will need more info in order to guide you. Who the insurance ... | |
| Large loss | 9/4/2009 |
| Q: I submitted a claim on 1/19/09 to Liberty Mutual, my home collapsed and over the phone the adjuster ... A: Please email me again and mark it private. I will then email you my personal information so I can ... | |
| Water Damage to Carpet | 9/2/2009 |
| Q: We recently had a technician in the house to run an HDMI cable to our new TV. He had to go up into ... A: If this was YOUR insurance company I could tell you that no, you had new carpet they owe you new ... | |
| photo requirements for a claim | 8/19/2009 |
| Q: I would like to know if any photograph of any personal items is valid in case i have a claim. I ... A: Photos are always helpful but should be updated regularly (yearly). For expensive jewelry, ... | |
| water damage | 6/9/2009 |
| Q: I have recently had a flood in my entire house, standing water from a burst pipe for 2 days. I have ... A: I am sorry for your loss. There are numerous questions in here and numerous ways to address this ... | |
| tree replacement after a fire. | 6/5/2009 |
| Q: I am helping by parents work with state farm insurance after a fire destroyed there house last fall. ... A: "If Needed" is determined by the limits. If the dwelling would require the full (called reaching or ... | |
| Office Furniture Damage | 6/3/2009 |
| Q: Deanna: We have a leased warehouse where we store cubicle office furniture for resale. The tenant ... A: I am not as well versed on business property as I mainly work in residential. However, I will do ... | |
| tree replacement after a fire. | 6/3/2009 |
| Q: I am helping by parents work with state farm insurance after a fire destroyed there house last fall. ... A: I will do the best I can to answer your question. The basic idea is there is usually 5% coverage ... | |
| water damage on condo | 5/23/2009 |
| Q: I recently had a hose break on my washing machine. All my floors had to be taken out and SERVPRO did ... A: The attached flooring and wood trim does fall under structure. The only time flooring and trim ... | |
| Fire Loss Proof of Loss | 4/23/2009 |
| Q: My son's house had a fire 2/5/2009. It is a total loss. I have been told that the Insurance company ... A: Please email me and mark the box for Private: YES instead of NO Then I can email you my phone ... | |
| Personal Property Insurance | 4/16/2009 |
| Q: This past September we switched insurance companies and cancelled all of our policies with the old ... A: You may only collect the amount of value for the earrings. Some people have several policies ... | |
| Determining Basis of Personal property lost in fire last summer | 4/6/2009 |
| Q: Unlike the experience of some of your readers, our insurance company treated us wonderfully ... A: I cannot formally answer a tax question. What I can tell you is your insurance company already ... | |
| Rented a cabin | 3/31/2009 |
| Q: I rented a cabin in the mountains for a family weekend getaway. The cabins are owned by individuals ... A: I am sorry for your experience. I cannot answer whether or not the rental company is responsible. ... | |
| smoke damage | 3/28/2009 |
| Q: My husband and I recently had a stove fire and severe smoke damage to our home. We filed a claim ... A: I apologize for the delay. I did indeed answer this question, I must have had a computer glitch and ... | |
| PRIVATE | 3/27/2009 |
| Q: Deanna, Thank you for taking the time to respond and to call me. I must warn you in advance that I ... A: Numbers are Blocked. And this is a good thing! There is a box when you email that says private and ... | |
| House Fire | 3/24/2009 |
| Q: We had a house fire last week that the insurance company has declared a total loss. My question is ... A: This is not a simple or short answer. There are questions I have in order to guide you correctly. ... | |
| loss of property | 3/21/2009 |
| Q: It's hard to reconstruct the value of one's property after you have a fire. What can I do now to ... A: There are professional companies out there who will come in and catalog your property. If you wish ... | |
| Damage to condo unit | 3/19/2009 |
| Q: I live in Northern California and last week our kitchen was damaged caused by fire directly below ... A: If your property can not be returned to pre loss condition, you can claim replacement. If it can be ... | |
| Fire Damage Claim | 3/9/2009 |
| Q: I recently suffered fire damage to my home which resulted in a total loss of all structure and ... A: If your friend is a renter, she has no coverage. If the items she purchased for the house were ... | |
| Tree Falling Proerty loss | 3/4/2009 |
| Q: I had a very large tree (14' round 120' tall) fall and damage my neigbors roof, landscaping, other ... A: Basically, unfortunately, as much as you are willing and wanting to do the right thing, this isn't ... | |
| Fire Loss | 2/23/2009 |
| Q: Deanna Thank you for the previous responses, time and consideration. The answers on this site are ... A: First, let me say I am very sorry for your loss. Your questions are not out of my expertise, ... | |
| House Fire | 2/21/2009 |
| Q: How long do I have to submit the contents list for a total loss of home due to fire? Claim adjuster ... A: You have to submit what is called a signed Proof Of Loss statement within 60 days of their request ... | |
| fire loss | 2/4/2009 |
| Q: Same as Gene 1-22-09. Have a few other questions on procedure to. Agent not sure how to do paperwork ... A: Please email me through this site and mark it "private". I will then e-mail you my phone number. ... | |
| question about steps to take on fire loss | 1/22/2009 |
| Q: We had a total loss within the last month. My agent from allstate is supposed to get me a copy of my ... A: Gene, First, I am sorry for your loss. I know how devestating it is. I have been in this business ... | |
| Fire Claim | 1/18/2009 |
| Q: Ms. Terry - The home next door to my friend caught on fire, the wind blew, my friend's home caught ... A: The best direction I can give you is to seek an attorney who specializes in insurance. What would ... | |
| State Farm Homeowners Insurance | 1/15/2009 |
| Q: My property is in Santa Barbara, CA. I lost a detached pool house, pool equipment, pool cover and ... A: I agree with your wife, although it must be included the insurance contract is also held to the ... | |
| Personal Property list | 1/13/2009 |
| Q: Steve- Is there a pre-filled list of personal property that one can use in the event of a fire to ... A: I saw this question in the answer pool. It is very hard to put together a list. There are services ... | |
| State Farm Homeowners Insurance | 1/13/2009 |
| Q: My property is in Santa Barbara, CA. I lost a detached pool house, pool equipment, pool cover and ... A: I am sorry for your loss. Plants which are not attached to the ground are not landscaping. ... | |
| fire in camper | 1/5/2009 |
| Q: We had a total loss of our camper which is our home. We travel full time with gas pipeline. The ... A: I am sorry for your loss, and I do understand how overwhelming the process and developing a content ... | |
| cleanup and restoration after a fire | 1/2/2009 |
| Q: Please advise if you can. My house had a small fire Sunday nite. I suffered plastic smoke inhalation ... A: Whatever it takes to ensure your health is what is of primary importance. You are entitled to the ... | |
| Paying an insurance deductible | 12/17/2008 |
| Q: Earlier this year i had a fire in my apartment and was liable. I am paying back the insurance ... A: I am not an attorney. As a consumer, I would not pay a dime until I was given proof they paid the ... | |
| House Fire | 12/17/2008 |
| Q: I had a house fire on 11-2-08. My insurance does not want to pay my contractor any money up front ... A: This is not standard procedure. You should be entitled to the actual cash value of the damage to ... | |
| home contents | 12/10/2008 |
| Q: I had my house burn down just last Saturday,today i received a sworn statement in proof of loss form ... A: I am very sorry for your loss. The proof of loss is not to give them an idea, this is a sworn ... | |
| fire claim | 12/4/2008 |
| Q: my home recently caught on fire and the insurance sent a contractor out and they gave me an ... A: I am not a dwelling expert, my expertise lies more with content, however I will give you my opinion ... | |
| Follow Up on garage | 12/3/2008 |
| Q: My grandma had a house fire this summer. She lost everything -- garage, house, contents. Her ... A: I should have clarified the garage situation a little better. Here is the simplest method I know to ... | |
| Actual cash value/replacement cost | 11/16/2008 |
| Q: 1)What amonut would a person with actual cash value coverage receive for two-year-old furniture that ... A: ACV and Replacement cost formulas vary from company to company. There is nothing contractual about ... | |
| Fire Restoration / Insurance | 11/6/2008 |
| Q: I had a fire in my home on 10/30/08 in NC. What should I watch out for from the insurance company? ... A: I sincerely apologize for not getting back with you until now. I have been having computer problems ... | |
| total loss from tornado, content list | 11/3/2008 |
| Q: I'm trying to get some help for my parents. Their home was destroyed by a tornado that hit the town ... A: This is not going to be an easy road. A lot will depend upon which insurance company it is and how ... | |
| BUILDERS RISK | 10/29/2008 |
| Q: My husband and I were having a new house built and hurricane Ike managed to destroy it. It was ... A: Depreciation is based on age and condition of the insured property at the time of the loss. ... | |
| Fences/depreciation | 10/26/2008 |
| Q: Some 80ft of common fencing between my neighbor and myself was blown down in Houston (H.Ike) along ... A: I would send a letter in writing to your adjuster requesting him to quote the specific language of ... | |
| Damage | 10/23/2008 |
| Q: We were out of town for a few days and my refridgerator began to leak. My father discovered it and ... A: First, I apologize for taking a few days to get back with you. I had internet trouble. If the ... | |
| contents | 10/12/2008 |
| Q: My insurance co., Guide One, is trying to deny my claim for contents in a rented home. Their lawyer ... A: I am very sorry for the experience you are suffering. However, maybe I can ease your mind a bit. ... | |
| House fire now what? | 10/9/2008 |
| Q: My name is Robert. On 10/07/08 our house had a fire which caused substantial damage to our home. ... A: First let me say I am very sorry for your loss. I do understand the challenges you are facing. It ... | |
| theft of property not at my residence | 10/8/2008 |
| Q: I am separated from my husband. He lives in the home that we both have title to, and I have my own ... A: She is correct.... IF there is indeed wording which refers to anywhere you are residing. IF this ... | |
| Insurance Claim on Home | 10/8/2008 |
| Q: I have a rental property in Detroit MI, which is in the process of going into foreclosure, recently ... A: I cannot answer whether or not you should file a claim. If you have a policy which covers the ... | |
| Claim on Boat Insurance and Homeowners Insurance | 10/8/2008 |
| Q: We were in the path of Hurricane Ike and I had a tree fall and hit my bass boat and house. I've ... A: This was very helpful. In my opinion, you have coverage in several ways. 1. The State Farm Policy ... | |
| Auto PARTS Insurance | 10/6/2008 |
| Q: I have a couple of classic cars and keep "spare" parts on hand in my garage - neither my auto nor ... A: I guess I am unclear as to why they are not covered under your home owners policy. I claim parts ... | |
| Homeowners Policy and Personal Property | 10/1/2008 |
| Q: I have had a theft from my car occur right when it was in front of my home. The policy first reads ... A: Your personal property was stolen. Any basic theft policy would cover personal property stolen from ... | |
| Contractors estimate vs. Insurance adjustment | 9/30/2008 |
| Q: My company has submitted a cost of repair for damage after hurricane Gustov. The customer has ... A: My advice is to: Obtain the name of the Supervisor, help your customer address a letter to this ... | |
| fire insurance | 9/29/2008 |
| Q: i had a fire in the home i have been living in for the past 18 years. aig denied this claim. i will ... A: This would still be an RCV policy. I would need more information on your contract before guiding ... | |
| flooding from neighbors actioins | 9/25/2008 |
| Q: my neighbor owns two ponds above my property that feed into my property by a spillway and an ... A: You would first contact your insurance company and file a claim. If you are not covered, or covered ... | |
| Water Damage | 9/22/2008 |
| Q: I have received the final numbers from Allstate for flooring replacement in my home after a ... A: Yes you can. However, you will have to speak with your contractor. Even though you can, the ... | |
| wind damage from tree | 9/20/2008 |
| Q: I think I may have a total loss from a tree falling on my rental property in Texas during hurricane ... A: I am not as well versed with dwelling as I am with personal property, however I will share with you ... | |
| Homeowner's insurance claim | 9/13/2008 |
| Q: Terry: I have recently advised my insurance company of a water damage claim, caused by a leaky ... A: I will do the best I can to answer your question, however I am letting you know up front that fire ... | |
| fire/smoke damage | 9/4/2008 |
| Q: Could have been worse, but when we suffered smoke damage, the inspector said all of it needed to be ... A: Yvette, I will try to answer your question, however please note this is a question better suited to ... | |
| Home fire | 9/4/2008 |
| Q: The insurance estimate to repair fire damage to our home is remarkably just a tad under the current ... A: I am not as well versed on dwelling as I am on content. You should obtain an independent estimate ... | |
| filing out loss home contents form water damage | 8/23/2008 |
| Q: Basement water damage from flood claim sewer damage. The insurance company farmers insurance ... A: If I were you, I would first attempt to find a reputable public adjuster in your area to represent ... | |
| Homeowners Claim | 8/10/2008 |
| Q: I recently had a my car broke into (along with 7 other neighbors) while my car was parked in front ... A: Of course you don't have receipts for those things. I would send my insurance company a letter ... | |
| property claim | 8/5/2008 |
| Q: A property claim was submitted to a insurance company, the insurance adjuster stated the work must ... A: Hmmm...no, from what little information I have, this does not sound right....at all. I have never ... | |
| TV replacements | 7/25/2008 |
| Q: In a nutshell, I am in dispute with my insurer re the replacement of my 36 inch tube tv (aspect ... A: Again, this is a very gray area. I think you should be entitled to a similar screen size. Your ... | |
| house fire | 7/24/2008 |
| Q: A rental property of mine burned down. The insurance company will pay the mortgage company the ... A: Well..forced place insurcance does mean they will only pay the mortgage amount. You do still own ... | |
| house fire | 7/23/2008 |
| Q: A rental property of mine burned down. The insurance company will pay the mortgage company the ... A: The answer to your question is yes, you own the property. You will be responsible to remove all ... | |
| tree liability | 7/19/2008 |
| Q: mobile home park residents NEIGHBOR'S tree broke and fell on my home. My home owners insurance will ... A: That is a little complex. My best educated guess without all the facts is: If the mobile home ... | |
| House Fire | 7/16/2008 |
| Q: We had a house fire in Oct. 2005, one of our daughters bedroom was completely totaled she lost all ... A: Corinne, There are many issues here. I also have many question in order to try to guide you in the ... | |
| Insurance claim Settlement | 7/13/2008 |
| Q: Deanna, I recently had a large house fire. I agreed to an insurance settlement of 235,000. Which ... A: My experience has been that the mortgage company will usually issue installment checks to the ... | |
| Fire claim | 7/9/2008 |
| Q: My mom's house was struck by lightning & seems to be about halfway lost some of the items were not ... A: I would suggest that you contact a couple or restoration people and obtain an opinion and estimate ... | |
| House Fire | 7/4/2008 |
| Q: Deanna, Hi, Thanks in advance for your time and efforts involved in responding to this posting; ... A: If you e-mail me through this site and mark "yes" for private, I will then e-mail my contact ... | |
| outbuilding fire loss | 6/21/2008 |
| Q: I'm in Kentucky and recently lost a barn that we used lately as a large storage building.Anyway we ... A: In respect to the Christmas decorations, you will want to attemt to google them. If you are unable ... | |
| Replacement of TV Damaged in Move | 6/18/2008 |
| Q: Allied Van Lines moved our furniture from Birmingham, AL to Willowbrook, IL on May 26, 2008. We ... A: This is a problem sweeping the industry. In my opinion, you do not have to "settle" or "work with ... | |
| replacement value insurance claim | 6/8/2008 |
| Q: A lightning strike recently fried many of my electronics, ranging from old stereo equipment to a ... A: Okay...let's address the air conditioner first. I would tell the adjuster that fixing isn't even an ... | |
| replacement value insurance claim | 6/7/2008 |
| Q: A lightning strike recently fried many of my electronics, ranging from old stereo equipment to a ... A: You are working with challenges that are facing the industry daily due to fast advancing technology. ... | |
| water damage, mold claim | 5/16/2008 |
| Q: Terry, Recently called my ins. co. re a plumbing/water damage issue. An adjuster arrived within ... A: Mr. Gillespie, There are a lot of questions here. There are no simple answers. It is very ... | |
| HomeOwners Insurance | 5/15/2008 |
| Q: I know that homeowners insurance policy's voer the insured and his/her family for bodily injury or ... A: I will do the best I can to answer this. First: My opinion is that vandalism caused on property by ... | |
| Insurance Claim | 4/17/2008 |
| Q: I own several homes and would like to submit multiple insurance claims on different properties due ... A: This question would be better suited to an insurance underwriter. I am experienced with answering ... | |
| Dealing with insurance after the fire | 3/18/2008 |
| Q: We lost our house completely in the recent California wild fires on Oct 22nd 2007. Our insurance ... A: 1. I know through the experience of my own fire that 5 months feels like a very long time, but it ... | |
| FIRE CLAIM | 2/28/2008 |
| Q: MY HOUSE AND GARAGE WERE A TOTAL LOSE DUE TO FIRE.WHERE CAN I FIND HELP WITH CONTENTS LIST? PRICES ... A: You can hire professional help for creating and pricing the list. If you e-mail me the state you ... | |
| House Fire | 2/24/2008 |
| Q: We had a house fire on 2-1-08. Started in garage and spread through all of the attic in a 2800 sq ... A: I cannot answer if 5 weeks is too long, what I can tell you is that "waiting for a claim review ... | |
| Home Fire Claim Question | 2/11/2008 |
| Q: I have a friend whose house burned down recently. The home and insurance policy were both in her ... A: In order to best answer your question, I need to address it 2 ways. First issue I will address is ... | |
| total loss fire - personal property claim | 1/25/2008 |
| Q: In early Dec. 07 we had a fire that took the entire house. We are in the process of writing down ... A: This is a little more complicated than burden of proof. You do have the burden of proof, so to ... | |
| Homeowner's Coverage? | 1/10/2008 |
| Q: I live in Georgia and we recently had several days of below freezing weather..during that time, the ... A: I have found a way to get a proper answer to your question. I am not certain of the answer as I ... | |
| Water damage x 2 | 1/4/2008 |
| Q: We remodeled our kitchen last June 2007. During the process the contractor moved the washer hot/cold ... A: I am so glad for you! I wish people didn't learn the hard way about insurance adjusters. So many ... | |
| Water damage x 2 | 1/3/2008 |
| Q: We remodeled our kitchen last June 2007. During the process the contractor moved the washer hot/cold ... A: Wow! Welcome to my daily existence! I have to say the idea that the insurance company thought they ... | |
| how to handle a 2nd fire | 12/31/2007 |
| Q: I had a total fire loss (claims exceeding $400000) in 2003. Since then, I have changed insurers. ... A: This is entirely a personal decision for you to make. You have asked a question that you would ... | |
| CLAIMS ADJUSTERS LICENSE | 12/24/2007 |
| Q: I am a state certified general contractor in Florida... I do alot of inspections commercial and ... A: I am so sorry William, For some reason I didn't see this one in my e-mail. I greatly apologize for ... | |
| Homeowners Insurance | 12/4/2007 |
| Q: I have a home that has some damage to it. I am selling the home and I can not wait any longer for ... A: A homeowners policy is not assignable. You are entitled to collect the actual cash value of the ... | |
| total loss due to fire | 12/3/2007 |
| Q: I have 160,000 dwelling and 95,000 personal property. My mortgage pay off is 42,000. Why is the ... A: The insurance company will only pay you for the cost of damage. I hope you have not yet begun any ... | |
| Insurance Info Needed | 11/26/2007 |
| Q: when a married homeowner is contemplating divorce, what is the benefit of him removing his name ... A: Okay...lots of questions. Let me attempt some answers for you in the order asked. 1. This question ... | |
| loss during a house sitting | 11/18/2007 |
| Q: My daughter had a brand new lap top stolen during a break-in at a friend's house while she was ... A: What I can tell you is that most insurance policies cover guest property that is in the home at the ... | |
| Insurance Adjuster/ Independent Agency | 11/16/2007 |
| Q: After putting my aspirations to become a private investigator on hold for awhile, I am considering ... A: The licensing is basically the same. You can go to your department of insurance to find licensing ... | |
| Insurance Adjuster/ Independent Agency | 11/15/2007 |
| Q: After putting my aspirations to become a private investigator on hold for awhile, I am considering ... A: Now that is a question in my area of expertise. I warn you, now I will run on a tangent! Please ... | |
| Insurance Adjuster/ Independent Agency | 11/15/2007 |
| Q: After putting my aspirations to become a private investigator on hold for awhile, I am considering ... A: I don't know what the particular requirements are where you live. If you live in the United States, ... | |
Property & Casualty Insurance
Answers by Expert:
- Kevin Hromas - JD, EGA, RPA, PLCS, WIND Umpire
- James R. Berliner, CPCU
- Fred Morris
- Harold E. Long, LUTCF, CLU, ChFC, RFC, RHU, REBC, CIC
- Dennis Smith
- James R Carrier
- Wim Desmadryl
- Bennie719
- Deanna Terry
- Thom Brooks
- Kristen Mulcahy, CIC
- Hal McFarland, CIC, ARM
- Jay K. Williams, AAI, AIP, CIC, CRM
- steve zimmerman
- Dominick Belinchak
Deanna Terry
Top Expert on this page
Expertise
I am qualified to answer questions about home owners personal property claims, especially fire claims. I am able to answer questions about A.C.V vs. Replacement Cost as well as the reality behind cleaning and restoration. I can answer questions regarding policy compliance as well as questions of what to do when you don't agree with the insurance company's adjuster.
Experience
I have over 7 years of experience adjusting claims for home owners, not insurance companies. I was also a fire victim. I am the founder and President of a non-profit organization that assists fire victims in specific counties with filling out and filing their personal property claims.
Organizations
President of 1st Hand fire victims assistance program
Education/Credentials
Associates Degree
Specialty Courses in Insurance Adjusting
State Civil testing
Yearly Continuing education
Awards and Honors
United Way Award for Community Service to Fire Victims
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