Re: Re: Chubb Insurance

Subject: Re: Re: Re: Chubb Insurance

Comments:
: Sherrell--normally, you cannot sue (yet). There is a clause near the end of your policy called "appraisal". The policy requires you to submit to this portion before initiating legal action - check with an attorney of course, but appraisal can be much less expensive. : It will cost you money; The process involves you choosing an appraiser (and paying him/her) to determine the amount of damage. The insurance company chooses an appraiser to represent them. The two appraisers then agree upon an umpire (you pay 1/2 his fee). Between the three of them they determine, decided by the umpire, how much the fair damages are. : Also--the company will probably not use the independent as their appraiser; they will employ another individual to do that, sometimes an attorney. : Advise the company you want to go to appraisal in writing after you have chosen an appraiser - one of your contractors might agree to act in that capacity, but again you will have to pay him for his time and no matter the outcome, you will not get that money or the umpire's fee back from the company. : : Chubb Insurance mislead me on the claim procedure and cohorted with an independent adjustor in my area to grossly and negligently 'low ball' my damages. Now my only choice is to file a lawsuit! Can anyone help me??? : : xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx : : TO: SHERRELL : : FROM: KEN YOUNG : : Hi: : : What type of policy are you referring to? If you are talking about an auto claim, your policy affords you the right to take it to the dealer of the car's manufacturer. : : If you are talking about a Home Owner claim, you have the right not to accept the damage appraisal of the Independant and provide the company with two different appraisers estimates. : : You are going to have to pay for those two appraisals yourself, but in your negotiations with the company tell them you want that money back also. : : Most likely they will pay for them if the Independent "low balled" you fully knowing that the two higher appraisals are way above the one the Independent made. : : If you feel you are correct, then keep their toes to the fire because they know it is much less expensive to litigate than it is to get of having to pay a jusitified claim . : : Ken Young : : xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx

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