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Anonymous28d ago(edited)
insurance company trying to lowball my claim
so a drunk driver took out 40ft of a customers cedar fence that WE installed 3 months ago. Their insurance is trying to pay out based on 'depreciated value' of a 3 month old fence. ARE YOU KIDDING ME. The fence was $12,000 installed and theyre offering $4,800 because of 'wear and depreciation.' Its 3 months old!! theres no wear!! Ive been going back and forth with the adjuster for 2 weeks and im about to lose my mind. anyone dealt with this before
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Anonymous28d ago(edited)
get your customer to hire a public adjuster... they work on contingency and they will fight the insurance company way harder than you or the customer can. dealt with this on a lightning strike job
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Anonymous28d ago(edited)
document everything — your original invoice, materials receipts, photos of the install and the damage. then file a complaint with the state insurance commissioner. insurance companies hate that
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Anonymous28d ago(edited)
The word 'depreciation' on a 3-month-old fence is laughable. That adjuster is hoping you'll go away. Don't. Escalate above them and reference your state's replacement cost statute if Florida has one.
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Anonymous28d ago(edited)
Lawyer. Now. Not later