Consumer Reports Insurance Claims – Consumer Ratings

Review Farmers Insurance, then Allied Insurance in 2001:

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    Why should one rate or view a rating on Adjusters on this Consumer Reports Insurance Claims – Consumer Ratings page? Because if your insurer assigns an adjuster you do not like, you can ask the supervisor to assign a different one, (one with a 5 star rating who you found on this website). Also, if you give a bad rating to an adjuster, maybe he/she will change their ways and be more fair to the next customer, or get fired. If the insurer fails to assign another adjuster, consider hiring your own adjuster, a “public adjuster”, who, by law in most states, may only represent the policy holder, not the insurer.

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    21 Responses to “Consumer Reports Insurance Claims – 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.

    12. December 27th, 2011 at 9:19 am #Alfonzo Sheets

      This may not be the best place to ask this, but, I’m looking for an attorney in clovis and I can’t figure out how to find them do you know anything about this an attorney in clovis? Its located in Clovis, not far from my office I can’t find reviews on them — Clovis Attorneys, 403 Woodwroth Ave, Clovis, CA – (559) 492-6529

    13. January 16th, 2012 at 6:54 pm #Emely

      Thanks for any other wonderful post. Where else could anybody get that kind of information in such a perfect manner of writing? I have a presentation next week, and I am at the search for such info.

    14. February 27th, 2012 at 1:33 pm #Steven Finch

      Our car was hit while parked and declared a total loss by the driver of the vehicles insurance carrier. Their offer is low and they won’t budge in spite of many comparables I have sent them. It has been dragging on for over 60 days and my daughter has not had her car back. They have sent a check, which I rejected, then another offer for a small amount more. If I accept their low offer, so I can get my daughter a car, will that preclude me from suing them for the total value of the vehicle in small claims? What they are offering and the value is about 2K off.

    15. March 3rd, 2013 at 9:52 pm #Jeff

      Nationwide is by far the worst company to deal with, I would not insure a dog house with nationwide. I cannot believe they have any kind of descent rating on this site. Both myself and my brother have had nothing but misery dealing with Them on claims, as a builder Ive seen many others suffer at their hands as well. Go to Chubb they pay their claims not deny them on ridiculous grounds.

    16. March 3rd, 2013 at 11:35 pm #Moderator1

      Jeff,

      Sorry to hear this about Nationwide. They need to dump their Allied Insurance division, IMHO.

      Do you know the background of the adjuster/s you have been having the problems with? That is, were they always with Nationwide, or did they come from Allied? You see, Nationwide purchased Allied Insurance 10 or 15 years ago, mainly to obtain their established claims network, as I heard it. And Allied, a low cost company, was known for hiring adjusters from Farmers Insurance Group. And Farmers property claims handling is rotten, from the CEO all the way down to the adjuster level. See the Boycott Farmers Insurance page on this website.

      I agree with your comments about Chubb. Good is all I hear about Chubb.

    17. August 30th, 2013 at 7:58 pm #Sandy

      I own one-half of a duplex. The owner of the other side has a tenant.
      About a month ago, the tenants’ washing machine overflowed for hours, causing damage to both sides. The owner of the other side’s insurance did not pay for the damages to my side.

      Today I got a phone call from a collection agency. They said that the other owner’s insurance company had turned me into them for me to pay the damages that were done to the other owner’s side.

      Surely this is a mistake, or do insurance companies ask people to pay for damages that other people did to themselves? Don’t know if I should say the name of the insurance company, but it is the largest insurance company in the country.

      Just to be clear, the collection company said that the insurance company turned me into them to pay for the damages to the other side of the duplex. The damage was done by the washing machine on the other side of the duplex. No damage originated on my side. Both sides were damaged by their washing machine. How can I be asked to pay for damages that their washing machine did to their side? It was difficult enough having my side damaged by them (This was the second time.), and now this???

      Thank you for help.

    18. August 10th, 2015 at 9:15 pm #ralph c. rivello

      Mississippi Farm Bureau Causalty Insurance Company of Mississippi has since January 23, 2015 refused to honor they policy on my house which burned to the ground. Totally destroyed. they have given myself a six hour deposition and my now deceased wife a four hour deposition and have STLL done nothing. neither denied nor acknowledged why they refuse to do anything. by law and contract they are obligated to pay the rest of the mortgage on the destroyed house. they have refused to do so. they have not yet returned or given me a copy of my wife’s deposition done in the last of April (she died May 5th of a massive heart attack).
      i have retained counsel and am filing to the courts, hopefully this week.

      my question is is there ANY reason for their delay and refusal to deny or grant my claim. oh BTW as an extra bit they were talking about paying us 89,000 at first. though the policy is for 109,000 dollars. smells like fraud?

    19. August 14th, 2015 at 5:51 pm #Lee

      I ran over a huge piece of semi tractor trailer tread on the highway (no way to avoid it) As soon as I got home I checked out my a car which was damaged and called my insurance company to make a claim. An adjuster called that evening and came to my work place and wrote me a check. I scoured the bodyshops before finally settling on one the adjuster had mentioned. When I received the estimate I NEVER mentioned insurance. As far as the body shop knew I was paying for the repair. When I went to pick up my vehicle, the check out person says ” Well you are making more money on this deal than we are” I said “beg your pardon” she said well the insurance check for $xxxx you received. I asked her how she knew since I never mentioned insurance to anyone at that shop. She buttoned up tight after realizing her loose lips. How did this body shop know the amount of a check given to me by my adjuster? After much thought I realized only one person besides myself knew where my car was and how much the check was for, the adjuster. He admits he called the shop, why I dont know and why would he tell them how much the check was ? for what purpose? Is this legal?

    20. November 15th, 2015 at 8:59 pm #liz mizzi

      whats the point in having ins on my rv ,,,when they deney my claim,,my roof is leaking ,,,elecricial problems ,,appiliances stopped working due to electricial problems,,,,i have full coverage,,,for everything built in my rv and came with it,,,i just dont think its right,,,its barely livable right now,,its the only home i have.,,floor ruined from leaky roof had black mold,,too.,,its foremost insurence deal with farmers ins, co.

    21. November 15th, 2015 at 9:01 pm #liz mizzi

      i just dont understand ,,,why nothing is covered in my claim.

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