Apr 282015
 

20150328_130008

State Farm – Engineers Behaving Badly….. Remember Hurricane Katrina…Hurricane Sandy… those are just the ones they have been caught, on large-scale, having their ENGINEERS change reports to drastically reduce payouts, illegally.

Foreword:

This is the “engineer’s” report they sent to my Mother’s on Thursday.

http://insurancebusters.net/…/20…/04/15.164-Spoon-report.pdf

And of course my response, below. I have included pictures and the entire report, so you get an exact feeling of what they attempted to do. To My Mother.

Edward,

I am appalled. You came to my mother’s home, stood outside her backyard, and lied to her face. I was there, meaning you lied to me as well. Justin expressed, with great emphasis, in front of Gian A. Carlo, that he would provide you with no material, and allow you to do your own thing and come to your own conclusions. This was a lie. The photos you possess, labeled taken by others, were taken by Justin. He chose to send you the best photographs he could to support denying the rest of the claim.

I am advising you, at this point in time, in writing, DO NOT DELETE ANY MATERIAL, ANY CORRESPONDENCE, NOTES, PHOTOGRAPHS, TEXTS, VOICEMAILS or DIRECTIVES FROM STATE FARM THAT PERTAIN TO THIS CLAIM.

If you look at the few photographs I have provided, and your own photo labeled 54. You will notice the lazy Suzan in the upper right hand corner. You will also notice that there is an approximately 1” gap, that is clearly visible in the photo. Now look at my photo, same cabinet, same gap, only this shows the entire cabinet, where lazy Suzan will not even open, and that the cabinets and floor have clearly dropped.

20150319_092329

You claim there is no water damage to the framing around the remodeled area, and that her house has a history of structural problems. You are provably lying on both fronts. We performed the remodel over 10 years ago. When we did that, we replaced the framing around cabinet floor in order to make the access hole in which you entered…notice the boxed framing with supports. At that time, the house was approximately 30 years old, on a pier and beam foundation, in west Texas. Normal settling had occurred. We blocked and leveled, as evidenced by your crappy photos, at that time. As you pointed out, there is very little cracking of the drywall, had there been prior settling, to the degree you show in your own diagrams, the remainder would have done so as well. Your graph is a clear indicator that exact area where the leak occurred has dropped significantly in comparison to the remainder of the house. Yet you state that was not the case. Your own evidence does not substantiate that claim, quite the contrary. When coupled with actual true photos, like mine, the evidence is overwhelming. Yet you lied, and you put your seal on it.

20150328_140922

 

The framing you claim is not damaged, please look at your own photos 19, 20, 24 and finally, 37. Again, you have lied. The plywood, as witnessed in your photograph is the cover to that manhole I spoke of earlier. If you pay attention, you will that those are 2 separate pieces of ¾ “ plywood, cut with exactly the same notches. The 1 ½ “ is necessary to bring the floor back to hardwood elevation, which was done. Notice both pieces of plywood are water damaged, with mold growth on both sides. For the people who will decide this fate at a later date. I will point out a few things and move on. That plywood was attached to that framing, see the 2” line where joist and plywood met. Stacked 2 deep, totaling 1 ½ “ layer, in which the water penetrated from the underside, not the top. Anyone would realize that in order for that water, that damage, and the resulting mold to appear on the top of the floor, destroy the cabinets, and walls, it would have first had to go through that entire layer of flooring. Again, you have provably lied. And attached your seal to it.

20150328_144419

Picture 38… you claim there is no damage to the underside. This photograph, as poorly taken as it was, clearly shows mold on the entire underside of what you have labeled as the living room. Take a look at some of the pictures I have provided. You will notice that same growth on the cabinets, the underside of the counter top… this is directly below the floor you claim, in writing, was not damaged. You photographed a portion of that damage and still deny it exits. You have lied yet again. And attached your seal to it.

Again, in picture 38, you claim this to be an existing leak. Look closely. This is the damaged area from the original water leak. The water that is now visibly dripping in numerous places, has only made a few areas wet. You do not find that curious….. Could it be, as you suggested on site, that you could have ruptured something while you were under there, in less than 18” of crawl space, crawling around. When you were there, why did you not take a photograph of the ground, where the newly developed leak had just started to make little dimples in the soft earth under the house? You had another opportunity to do so while we were standing, from the kitchen floor, looking down through the man-hole at the new leak, and I explained to you that you would attempt this, and that you should photograph as well. That leak, as you can see, is new. The damage caused by you. Look at your own photos of underneath the house, and tell me exactly where you were, and what you were laying on in order to get those photos? You were laying on that whole mess of plumbing that you can clearly see in any of the photos.

Photos…you have only provided a few photos that you took that day. I would take an educated guess and say that you actually took from between 500 to 1000. Where are the rest of them? You supplied 50 of the most broad, generic photographs you could. You still could not manage to eliminate all the damage from them, as evidenced by my partial review above. I can tell, you have already sent State Farm an invoice for your services… that invoice will probably contain a per picture charge….

I would suggest that you not attempt to remain on the path you are currently on, and delete, modify, or change anything that has to do with this claim. There will be some people who want to talk to you very soon, and they will want to see them. You showed 5 photographs of that floor in your report. I personally witnessed you get down on all fours, and take correct pictures, at ground level. Then you stepped in several places directly at source of loss, bouncing a bit, and stated, oh yea, this is definitely affected. You then photographed the spaces where the new varnish had physical separated, along with filler, from the swelling of the floor.

Photograph 12, the bathroom door…that is scratching the floor, which you admit, yet say “sanding” look at your graph, and look back at this photo carefully. The door is in a perpendicular position to original state, making it optimal to see with the human eye, that instead of the bottom of the door being parallel to the floor, as it should be in this position, the door actually drops from approximately a 1” inch gap to zero… in less than 2’. This is your picture. The other ones, the ones you did not provide, but will before it’s over with, also shows the reveal of this particular door, which you specifically pointed out, yet included only one picture of, that you thought was harmless, or you would not have included it. Turns out, that is a very good photo. Keep up the good work. wink emoticon

20150328_123457

This is bad, real bad.

You referred to me as the “contractor”. I am not. I am the insured. It just so happens that I also possess a Public Adjuster’s license, as well as having held two contractors licenses prior to Texas allowing the rule to expire. I was a Premier Service Provider for State Farm for a good long while. Until I fired them. They have a little different version, just ask to pull the contract, verify the one year agreement, the end date for that, then the end date of our last assignment.

One major thing Justin did NOT inform you of, is that I am very good at what I do. I see people like you every day. Sustaining business off of knowingly helping your employer, the insurance company, deny valid, easily discernible claims. At minimum, suggest that the damage is just “minor”….. This time, you have been caught. You have used your license and title to deceptively harm another.

InsuranceBusters.net Legalities

Don’t you worry, everyone involved will get a copy of this… a ton of people who you never imagined… or you would not have attempted this. But, you know, as I have proven, while acting in the role of a Public Adjuster, this is normal for insurance companies, their engineers, and their adjusters….Just ask Victims of Katrina, Sandy…and any other loss insurers touch.

See you soon.

P.S. I am better with computers than I am with paper… As this reaches you, and you read this, know that you have been warned that all things pertaining to our file are to be kept, and nothing is to be deleted. I am not an attorney or a court. I am telling you, as the insured, that I feel you have defrauded us, and used your license and title to harm us. Anything used in that pursuit, that was deleted, or omitted, can be found. Easily.

Here are some other links pertaining this particular claim, as well as some regarding the proposed SB 1628:

Part 1 State Farm – State Farm Strikes Again!

Part 2 State Farm – Criminals Amongst Us.

SPOON_SANDRA_2015_Final Draft with_without Removal Depreciation

SPOON_SANDRA_2015_RE_Final Draft with_without Removal Depreciation

Spoon, Sandra Prompt Pay Complaint Faxed 4-7-2015

Sandra Spoon UCSP Complaint 4-13-2015

Spoon, Sandra TX Dept of Ins Complaint Ack 4-15-15

That is it for the moment…

More on SB 1628 and what has happened so far in regards to our efforts to expose the truth about it.

What the Hail….is Really Going on in Texas – Part 1

What the Hail….is Really Going on in Texas – Part 2

What the Hail….is Really Going on in Texas – Part 3

What the Hail….is Really Going on in Texas – Part 4

 

Cal Spoon

 

Apr 262015
 


InsuranceBusters.net State Farm Criminal Lead Photo

State Farm – Criminals amongst us…

I have been fighting the good fight for quite some time now. First as a contractor, then as a Licensed Public Adjuster who does only that, fight the good fight, against your insurance company….. Why, you ask?

With the aforementioned said, my knowledge of the industry is extensive, to say the least. When my mother sustained a burst pipe in her home, I actually, for the first time, became that insured. I have been called an animal numerous times for my pursuit in what I believe in. Truth be told, the other side, which is a term we use to refer to the insurance carriers and anyone who works for them with strict intent of paying you less in order to save their company more, probably has many, much, much worse terms for me. To say I am protective of my family and those I represent, is an understatement. After all, my wife, Melanie Spoon and I dedicated our entire life to the pursuit of simply making them do what they are supposed to, indemnify you in the event of a covered loss. We founded a company and a concept that destroys every lie they have ever sold us… InsuranceBusters.net. and you are here now, in that world that is what we have uncovered as the truth as we know it today.

This particular post will be long. In the briefest, most effective manner I can possibly muster, I will explain what is going on, what has been going on, and what your insurance companies, our very own Department of Insurance, and our state legislators are up to. I will provide verifiable proof with each accusation. I would recommend you to get the best attorney along with unlimited resources from Hoyer Law Firm to ensure your win in any form of case. They are one among the most trusted law firms in the state due to their expert lawyers and their willingness to accept diverse forms of cases.

What do I hope to achieve?

  1. No shame, #1 priority right now is my mother, and her problems are easily fixed. That should happen shortly after publication of this article. State Farm has issued two checks, totaling $53,250.38 As of Friday, April 24, 2015, those checks were uncashable.
    Letter from VP of Chase, stating checks had been presented three times, yet were no good.

    Letter from VP of Chase, stating checks had been presented three times, yet were no good.

    Check 1 Issued 04-10-15. Check was already late when issued, as evidenced by the internal tam report below. Still not able to cash 13 days later...

    Check 1 Issued 04-10-15. Check was already late when issued, as evidenced by the internal tam report below. Still not able to cash 13 days later…

    Check 2, Supplement to the original, yet most of these demands were made in the initial demand, meaning they should have been paid for then. Payment of this check validates the initial demand. Check is also no good.

    Check 2, Supplement to the original, yet most of these demands were made in the initial demand, meaning they should have been paid for then. Payment of this check validates the initial demand. Check is also no good.

  2. When attempting to cash these checks, we also confirmed, from not only the VP of Chase, as shown above, but from Team Manager of State Farm, Gian A. Carlo. Both stated that State Farm had strict rules with chase that they were not to cash any checks written over $10,000.00 written on a State Farm account. Unless you understood what he was actually saying, you would have done like 99.99% of the public. Accepted that as fact at went on attempting different methods to convert the checks to usable funds. To be clear, both told me to DEPOSIT THE CHECKS IN MY ACCOUNT, WHICH THEY KNOW AUTOMATICALLY PLACEs A 10-14 DAY HOLD, IN THIS, THE YEAR 2015, where you  can deposit a check with your phone…
  3. Take both pieces of information. A) A program exists on Chase computers that requires a check to be “Approved” by a method known as positive pay file. Even though State Farm has issued a check, two of them actually, and the initial was dated by computer 13 days prior to his letter stating it was still not there. That is three verified attempts to cash this check. B) The same VP above stated that this was only the first hurdle. He said that when the check actually appears, if it is over $10,000.00, the computer will automatically flag, with a do not cash order to the teller. Attached to this flag, he states, is strict instructions from State Farm NOT TO CONTACT STATE FARM UNDER ANY CIRCUMSTANCES. He stated that these were the “rules”.
  4. The avenue and method that led me here, in my opinion as humble citizen and lowly Public Adjuster, definitely not an attorney, were the criminal actions of State Farm, and every other insurer I have ever dealt with, in every aspect.
    Texas Unfair Claims Settlement Practices

    Texas Unfair Claims Settlement Practices.. These are not suggestions… They are the LAW!

     

  5. The procedures and knowledge insurers currently employee suggest that they have ample ability to perform within the limits currently in place, yet choose not to.
    State Farm's Internal Software that alerts them when they have not met deadline. 1 of 2

    State Farm’s Internal Software that alerts them when they have not met deadline. 1 of 2

    State Farm's Internal Software that alerts them when they have not met deadline. 2 of 2

    State Farm’s Internal Software that alerts them when they have not met deadline. 2 of 2

     

  6. Bring some accountability from the Texas Department of Insurance. There are strict rules on what should happen if an insurer were to continually violate statutes. Are these being followed?Texas Insurance Code 542.006. PERIODIC REPORTING REQUIREMENT.
  7. An answer to SB 1628 in the form of pulling back the veil on what it does and why. #6 above asks a question. That question is being asked because this new legislation, above all else, removes any and all penalties as mentioned above. The audits that are required, coupled with actually having insurers lose their license to do business in this state. GOOD! If the Department were to catch a Public Adjuster or anyone else acting in the manner that the carriers, who must have an individual license, backed by licensed individuals, they will run them out-of-town and straight to jail.
    When They are Supposed to Pay.

    When They are Supposed to Pay.

    What is "Supposed" to happen.

    What is “Supposed” to happen if they do not.

    Reporting and Audits.. things that all these insurers, especially State Farm, Should be doing.

    Reporting and Audits.. things that all these insurers, especially State Farm, Should be doing.

  8. How do I know they are not….. Spoon, Sandra Prompt Pay Complaint Faxed 4-7-2015 and Sandra Spoon UCSP Complaint 4-13-2015 and their response, which is typical…Spoon, Sandra TX Dept of Ins Complaint Ack 4-15-15 saying they are going to ask what the insurer wants them to do. By law, that I have posted above, State Farm has admitted to violating the prompt pay statute, and should be punished, logged, and be counting against whatever magic number it is that kicks in the audits, and penalty phase. Texas Insurance Code 542.006. PERIODIC REPORTING REQUIREMENT.
  9. Resolve the myth of insurers actually being responsible for insureds. We are always threatened that insurers may not “choose” to stay in Texas. Couple one of the largest states in the union, both size and population, paying some of the highest premiums in the nation…and tell me again they are going to pull out. Their investment cash flow from Texas insureds is massive. From the Incoming Commissioner’s own quote about the Texas Insurance Market: “One thing that surprised me is the sheer size of the Texas insurance market, which is larger than a great many countries. In fact, in the last couple of years, we’ve grown from being the 12th largest insurance market in the world to the 10th. The job of being commissioner is bigger than the state of Texas because what we do here literally does have an effect on the rest of the insurance world. It’s both exciting and humbling and I’m honored to be a part of it”. Found here.
  10. Prove that the ultimate goal of your insurance company is to sell you insurance, in order to gain investment capital. Once realized, the conclusion is simple. SB 1628 would allow them to sell you that insurance, invest your premiums, and never pay your claim. If by some miracle, you do find a PA or Attorney to take it, and the insurer does get caught, there will be no penalties. SB 1628 – Read for yourself what they would like to do.
  11. You did not buy insurance in order for the company to invest everywhere but your legitimate claim, should you file one. State Farm’s Spokesman admits, willingly, that 2/3’s of their profit comes from stocks and investments, yet will not divulge which ones. His quote, “The jump in profits and net worth was due to a positive year for State Farm’s stock investments, said spokesman Dick Luedke. About 60 percent, or $6.4 billion, of the gain in net worth can be attributed to stock investments. The remaining 30 percent of the $10.5 billion of net worth gains includes the property-casualty gains in underwriting and investment income realized from bonds.“Net worth is everything we have and that’s a lot. It did go up and it was a significant increase. About two-thirds of it was an increase in the value of our stock portfolio,” Luedke said. “It was a very good year for those who invested in stocks and bonds.”Luedke declined to give details on the businesses State Farm is invested in, but said the portfolio is diversified and comprised of companies, primarily in the U.S., that are “well managed and financed, generate cash and generally pay dividends.” from the article found here. Anyone who has gambled on anything of value, in any shape, form, or fashion should understand one basic principle. Bet small, win small. Bet large, win large. With 2/3’s being the minimal, as stated, how large of a bet do they have to make? If they made that bet, where in the hell did they get the money to float it? You got it….now you’re thinking. They got it from not paying claims, and manipulating the payments they do make in order to meet the current trend or need….. Now, skip ahead to 2014. This article is not as exciting in the fact that they attempt to downplay a net growth of close to 5 billion and profits of at least 3.4 billion in Property and casualty alone. Article found here.

Ok, now to spell it out for those who cannot see what is going on.

  • State Farm has software currently installed that tells them, in no uncertain terms, that they have timelines, and what they are, and when they owe. These timelines are contingent upon someone else entering the data correctly, but once entered, tell the truth on what was entered. They know they are not paying claims on time, yet choose to ignore the penalties. On $26,000.00 it was less than $55.00. That is cheap. Unless it is reported, and the Department of Insurance has to do something.
  • State Farm has made illegal deals with Chase, who then created programming inside their software to coincide with this positive pay file, requiring the number to appear on the screen. This could be called a security measure, until you add the fact that even the check that was computer generated, 13 days PRIOR to this attempt at cashing the check, and was still not present. If it was security, once State Farm Computers issued the draft, the order would go simultaneously to the Positive Pay File. It does not, as proven above.
  • State Farm has made additional illegal deals with Chase, who then again implemented the results of those deals into their software that would automatically”red flag” any checks over $10,000.00. This, in and of itself, is illegal. They may be able to attempt a lie, and suggest another security measure…you know… consumer protection. But the instructions attached to the file, to NOT CONTACT STATE FARM UNDER ANY CIRCUMSTANCES, destroys that claim. When I write a check, and issue it to anyone, I have promised I have the money in the account, in the bank that the draft was written on, and the recipient can walk in, with proper identification, and cash that check, regardless of the amount. The answers I received from all of them were the same, and the one they had told anyone has asked any of these questions or ran into this issue… Deposit in your bank, and wait the 10-14 day period. First off, that is not your money, it is the recipients. You can no longer control it or manipulate it in any manner. IT NO LONGER BELONGS TO YOU! And last, but not least.
  • Texas Department of Insurance, this one is particularly for you. When State Farm installs proprietary software on an outside vendors computer system, designed to automatically not cash checks over $10,000.00, they require the insured to have a bank account in order to be indemnified. In all my years, all my experience, every single claim we have ever done, every policy, rule, or code, I have never seen anything that would require an insured to first obtain a bank account prior to being indemnified. State Farm has done this systematically, and made sure no one was spared by using software to “catch” every single one. I have filed complaints, I will bring this matter to your attention again, tomorrow, April 26, 2015.
  • SB 1628  is a farce. From all the evidence above, and trust me, there is more, much more, Insurers not only have the capability to install software to tell them when they have broken the laws, they have enhanced that software to coincide with Chase @ a minimum, to hold insureds funds as long as humanly possible, in order to reap huge profits of money invested in other ventures. This bill would remove those pesky fees and certainly stop the avalanche of Department ordered audits and checks balances. This cannot pass. If it does, every single elected official who voted for it, is either completely ignorant to the world around them, or lining their pockets with insurers bribes to stay ignorant.

This is but a portion of what is going on. This is part 2 in the saga of my Mother’s water claim. One month and 11 days, she still has not received a dime, even though she has two checks worth over $53,000.00. They still owe her another 50.

Part 1: State Farm Strikes Again! – My own Mom, and every reason you should scream NO! to Texas Senate Bill 1628

Side Note: The check is a criminal offense, however, the second I remand the fraudulent documents to the police department, and sign the affidavit, they have all control. Meaning I have sworn I will only accept payment from the Police Department, after they have done their deal, collected, went through the ritual, and decide to issue her payment… for $53.000.00. I cannot do that. She is a nervous wreck now, even with my help, she is scared. Especially when their checks would not cash. The letter provided by Chase clearly states they cannot process the payments, because they do not exist. To validate, see Justin Nelson’s email verifying amounts, and that initial check was good as well, and there were no problems on State Farm’s end. This email, as proven by the date sent and received, was 2 days prior to the letter written by Chase Vice President stating, emphatically, that checks were not on State Farm’s positive pay file. After all this, after us calling, three trips to the bank….those checks are still no good.

Email from State Farm verifying Checks were good. Notice amounts in correlation to check s above.

Email from State Farm verifying Checks were good. Notice amounts in correlation to check s above.

Here, for the record, is most of the pertinent info of this claim, which has led me, from the insurers side, to uncover some of the most damning evidence against insurers, and their dirty tactics I have personally witnessed.

SPOON_SANDRA_2015_Final Draft with_without Removal Depreciation

SPOON_SANDRA_2015_RE_Final Draft with_without Removal Depreciation

Spoon, Sandra Prompt Pay Complaint Faxed 4-7-2015

Sandra Spoon UCSP Complaint 4-13-2015

Spoon, Sandra TX Dept of Ins Complaint Ack 4-15-15

That is it for the moment…

More on SB 1628 and what has happened so far in regards to our efforts to expose the truth about it.

What the Hail….is Really Going on in Texas – Part 1

What the Hail….is Really Going on in Texas – Part 2

What the Hail….is Really Going on in Texas – Part 3

What the Hail….is Really Going on in Texas – Part 4

Cal Spoon

Apr 132015
 

Sandra Spoon State Farm Horror Stories (1)

 

State Farm insures my mother’s home. First, she suffered a heart attack. Upon returning home from the hospital, she discovered mold growth under her kitchen sink. She got down on her hands and knees, and cleaned up the mold. It came right back, and we called a plumber to come inspect. He did, and found a busted hot water line that was spraying a constant stream of HOT WATER directly to the underside of the main wall of her pier and beam home. Sandra Spoon State Farm Horror Stories (7)This happened and was located on the 16th of March, when she contacted State Farm and filed a claim. Sandra Spoon State Farm Horror Stories (5)Two days later, they had still not contacted her back, so I got involved. I am a licensed Public Adjuster in many states. Texas is my home, and where I prefer to spend the majority of my time. I perform claims adjustments on the behalf of insureds, just like my mother. Sandra Spoon State Farm Horror Stories (6)In her case, I am handling as her son, not a Public Adjuster. I mentioned the date above, because today’s date is almost an entire month since the claim was filed. My mother, after having a major heart attack, suffering a huge water loss, which destroyed the home she has lived in for 40+ years, having to pack all of her belongings, 40 years’ worth, into boxes and every available storage place, then having to be readmitted to the hospital, in order to install two additional stints, then, being forced to recuperate in a travel trailer. This has all transpired in the last month. In that month, State farm has been made well aware of the claim, the extent of damages, and the amount necessary to return her to pre-loss condition. 20150318_091946State Farm even came out, a week after the loss, and agreed they owed at minimum, 27k. She has still not received a single dime, even though we have spent in excess of $10,000.00 in getting to a point where the full damages could be verified, contents could be removed and stored, and temporary living accommodations. Sandra Spoon State Farm Horror Stories (10)I helped file a complaint last Monday, April 6th, 2015 with the Texas Department of Insurance. State Farm, like all carriers licensed in Texas, is under the insurance codes rule book. There are very specific timelines governing how and when a claim must be paid. State Farm violated these rules when dealing with my mother’s claim. Sandra Spoon State Farm Horror Stories (2)Since that time, a week has passed. Friday, I was contacted by their adjuster, who claimed that it was the claims handlers fault, and that the actual supervisor was out of the office all weekend…oh yeah, and Monday too… When State Farm received this complaint, which was Monday, because we sent a copy to them as well, they could never again possibly claim that they did not know….we sent them the actual statute. They still, even knowing full well they were breaking the law, did not contact us until Friday, only to blame another, who has refused to return calls for over three weeks, and was conveniently nowhere around. I sent their adjuster a text this morning, asking for an update. He figured out already that is was not a good idea to send me anything in writing, because that can get him in trouble, and asked me to contact him to discuss the details of her claim. I called…he gave me the exact same story from Friday, with one exception. He asked me, point-blank, after being full aware that over $10,000.00 has already been spent, and that they have not sent the first dime, HOW FAR ALONG IN THE REBUILD PROCESS SHE WAS? Understand, they have paid nothing, and are trying to get her in the middle of the process, only to withhold funds. Putting her and me in a bind, as they do all insureds…. As you can see from the photos, this is not a minor thing, nor is it a pick on State Farm thing. Quite the opposite… I believe they are picking on my mother because, well, she is the mother of the owner of InsuranceBusters.net… need I say more?

InsuranceBusters.net JPEG Logo

 

Anyway… How does this affect you? Good question, and easily answered. Senate Bill 1628, pushed by Larry Taylor, one of our elected Senators, seeks to remove penalties when State Farm and other insurers in Texas do not honor the simple contract they signed with the insured. My mother is one of those insureds, as am I. My mother’s claim is a text-book example of exactly what insurer’s do, even with the current laws, that prohibit them from doing so, they do it anyway. Without me, how in the world is my mom ever going to fight these monsters, which flip their nose and their wallets while directly, with full knowledge, break the law?

She can’t.

If they are successful in changing these laws…what is she, or you, or I going to do in the event we are put in her position?

Requested changes found here.

Be helpless, just like they want us. That way they can offer substantially less than what they owe, while not having a single thing to stop them. Even David had a small weapon against Goliath. I am posting this for many reasons…the main one… I am furious. They have put my mother in the worse position known…that of the unknown. A very scary place when your home, your largest investment, is tore apart from floor to ceiling, and your insurer is playing games.

 

Share this article if you agree. Insurers do not follow the current rules to help consumers/insureds out. Removing the laws preventing insurance companies from doing that very thing, will never, ever make them pays claims fairly, nor on time. This is no way to #ProtectTheInsured…

 

Cal Spoon

04-13-2015

 

******UPDATE****** on SB 1628 from Texas Watch!