Hey mcratz what do you make of this?

Question

water damage 12/20/03, public adj hired, 1/20/04 ins. co. checks sent, givin to pub. adj. as per contract for his 10%.Found out that checks were deposited in another co. account, never heard of them. pub. adj. claims all money stolen from account. at no time have I recieved any monies and no work has ever been done to my house as per the INS.CO. adjusters scope of work. I am in reciept of a letter from the ins. co. that on 5/4/04 there adj. came to my house and inspeceted the work done,was satisfactory to his scope of work. Found out that pub. adj. formaly worked for same ins. co. was directly reponsible for ins co adj training.My question is this, if no work was ever done, no reciepts can be shown, money is missing, how can the adj sign off on it. I alsohave reciepts from the trailer co., with notes from ins co adj approving 4 more months of trailer rental after 5/4.I also haveforged checks for the hold back amount. i had called ins co fraud inv. nov of 06 he has conf no work was ever

Answer 1

Well, if I print it out, I can make a paper airplane.  Just kidding.

Honestly, my FIRST thought is "Inside fraud job!".  The adjuster NEVER should have signed off on it.  You've got forged checks.  

When you say, you've called ins co fraud inv, does that mean, your state insurance commissioner's fraud unit?  Because what's been done here, is CRIMINAL.  I think you need to go to your district attorney's office here.    So, here's what I would do if it was me:  

1.  Call the insurance company, ask to talk to the VP of Claims, or a claims manager.    Explain the situation, that you think there's fraud going on here, that the work WASN'T done, that you haven't seen a DIME of money.   Ask them to re-issue the claim money as two seperate checks, the 10% to the adjuster, and the 90% to you.  

2.  document the call, and the names of ALL the people you talk to!!  

3.  If they don't agree to reissue checks (and they won't), write up a huge letter, send it to your state insurance commissioner as a complaint, CC it to the adjuster, and the VP of claims for that insurance company, CC it to your local district attorney, CC it to a couple of local television stations,  CC it to your local congressperson.    

4.   Go to your local police station, and file criminal complaints against the adjuster and the public adjuster.   Forgery is criminal.    5.  Follow up with calls to your local DA's office.

That ought to lighe some fires under people, although you're still probably looking at a couple more months before you see any money.  

People like that give insurance companies the bad reputation.  It's probably only one or two bad eggs there, but it will smear their name in their whole broadcast viewing area.  MOST insurance people aren't like that.  I promise.