Insurance Claim Help

14 Responses to “Consumer Ratings”

1. January 20th, 2009 at 9:00 pm #Scott J. Tepper

   Barry Harman, a public adjuster and owner of Spectrum, posted this comment. He procured an illegal contract with the client of the attorney he complained about and lost a lawsuit in banruptcy court — after Harman filed for bankruptcy — based on the illegal contract. So he decided to file a phoney complaint. He’s not being truthful.

2. January 24th, 2009 at 1:31 am #admin

   Thanks for your comments Scott. There are always two sides to every story. Since this went to court, is this public information? Can you share with us what exactly what was illegal in his contract? Every public adjuster is supposed to have his contract pre-approved by the DOI in California. Any custom changes should be initialed by all parties, and as you already know, must be of a legal purpose.

   Incidentally, you are welcome to start a rating thread on Mr. Harman under “Add An Adjuster” on the Consumer Ratings page.

3. January 24th, 2009 at 2:15 am #admin

   Scott, you may also want to copy your reply to Harman’s comments by clicking on “rate-it!” to the right of Tepper and Garfield. Give yourself a 3 star rating, which is a neutral rating. I believe the star rating field is currently required, so I will ask our programmer to change it to “un-required” ASAP. Once he fixes this, then you can leave the star rating box blank when making any replies to comments. Thanks

4. January 24th, 2009 at 2:42 am #admin

   Scott,
   You are also welcome to have any of your clients who have used your help on an insurance claim give you a rating. This will bring up your average star rating score.

5. January 24th, 2009 at 9:34 am #Scott J. Tepper

   Admin – I have sent you by e-mail a copy of the final judgment against Harman and his company, Spectrum Builders, from the bankruptcy court, as well as the court’s ruling on the motion for summary judgment. These documents speak for themselves.

6. January 26th, 2009 at 2:56 am #admin

   Hello Scott,

   I only asked what was “illegal” in his contract. If it was not something easy for our visitors to understand when they themselves look at a public adjuster contract, such as a missing cancellation clause, then all you need tell us is something like “it’s too complicated to describe in a paragraph or two, but the final judgment discussion can be seen at XYZ County Court.” You could also cut and paste short excerpts from your documents if you wanted to. But I believe there is a limit of either 500 or 1000 characters in these comment boxes.

   I’m sorry, but your email and attachments were deleted without being read. Unless we ask for an email or give prior approval, all comments should be made in this public forum.

   Your participation in this website is greatly appreciated and we encourage your comments on any post in this website.

7. June 30th, 2009 at 8:36 am #Ella

   What if I wish to file a claim but have surpassed the time for presenting a claim ?

8. July 2nd, 2009 at 12:15 am #admin

   Ella,

   Assuming you are talking about making an insurance claim, most policies say you should report the claim as soon as possible. Some say as soon as “reasonably” possible. If there is no time limit stated, then I think the law or a judge would insert the word “reasonably”.

   If you are talking about filing a lawsuit, then the statutes of limitations for filing different kinds of complaints, like for injury and property damage, will have different time periods.

   If they deny your claim, get it in writing with the specific reasons stated, and go from there.

9. June 28th, 2011 at 10:46 pm #John Bollingsworth

   Interesting comment from the contractor in Colorado whining about Pacific Specialty. I’m not a big fan of that company, but I have less sympathy for contractors that assume coverage is there, when it may not be. Even an insurance newbie knows a DP-1 policy is actual cash value. If poor little Kevin had done his homework, like most responsible business people do, there wouldn’t have been an issue. He should stop playing victim and educate himself.

   Here’s a little lesson, Kevin. If you’re dumb enough to take business based on the perceived insurance jackpot without doing your homework, you deserve what you get. You also have remedies. Your client is the homeowner, not the insurance company. Hello.

10. August 29th, 2011 at 7:20 pm #Erica

    Hello Im with Farmers Homeowners ins. I filed a claim Aug 7th 2011 for my home being burgalarized, the adjuster called me the next day she was very nice and understanding of my lost she told me to write down the things I’ve lost.I faxed my inventory list and it was over 40,000 worth of items taken away from my home but my policy is only for 30,000..I didnt have any proof so they told me I needed to sign a affidavait I did what I was told.another adjuster from out of town called me and wants to do an interview over the phone for 45 mins. Is that legal to make me sign an affidavait form so they can obtain my credit and background?

11. September 30th, 2011 at 2:17 am #Barry Harman

    Good Morning: It was quirk that I just discovered this posting and thought I’d confirm I did not issue the comments you show. In fact I have a quite different perspective than Scotty Boy, not to mention my role is one that greatly assists people. I can say crooks don’t like me very much. In the instance of Tepper, I collected 10 times more (for his ex wife) than paid voluntarily by Allstate and his flowing rhetoric was simply designed to evade payment. I can say the Dept of Insurance investigated his unethical claims and dismissed the matter. I help people, my personal best was collecting about 40 times more than released by Farmers but that is another case. And as to his frivolous claims about the bankruptcy, I was victimized by numerous false claims (not just Teppers) and subject to identity theft on 3 occasions which explains the discharge and Notice of Dividends posted by the Trustee. Tepper had no knowledge and no skills, and was incapable of helping his ex wife but in the middle of dealing with spousal support and marital assets distribution thus explaining his involvement. My problem was learning of his early involvement in her property purchase and PITI Lease Back to the seller because I later discovered evidence of falsifying the loss date directly impacting their entitlement and constituting a form of insurance fraud. I simply extracted myself, waived the fees I was entitled to and abandoned the pile of attorneys playing games with Tepper. My Wife and I are happily relocated to a beautiful estate in a forest in Texas having rid myself of that typical “California Scene”.
    Respectfully submitted.

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