Thursday, September 20, 2007

Farmers’ Insurance Company’s response to the list

I recently volunteered to try to help a couple with an insurance problem they were having with Farmers’ Insurance Group. My last post was a list of unanswered claims requested by the company. Today, I am posting the company’s response to that list.

Consequently, I will not be continuing my Creationism posts today. I do plan to return to them soon.

Then, I plan to answer the response about Iraq. I am sorry for the change in plans. Plans, in reality, often are altered for one reason or another. “The best laid plans … often go astray.” Thank you for your understanding and patience.

How many unborn toddlers were murdered today because of the humanistic, paganish, barbaric decisions of the United States Supreme Court?

Stop the
Murder of

“Anyone, then, who knows the good he ought to do and doesn’t do it, sins.” James 4: 17 (NIV)

“September 2, 2007

~~~ & ~~~~~ ~~~~~~
<<<< < <<<<<<<< <<
Tucson, AZ <<<<<

RE: Insured: ~~~ & ~~~~~ ~~~~~~
Claim Unit Number:
Policy Number:
Loss Date: 08/10/2006

Dear Mr. and Mrs. ~~~~~~:

I have received an itemized breakdown of what you see as the pending expenses from the above referenced claim. This letter is in response to previous correspondence with regard to these issues.

1. Remainder for food expenses $XXX.XX – this is the adjustment made for what would have been considered normal during the restoration process. Farmers does not owe you for all of your food expenses during that time. The policy pays you for ‘additional incurred expenses’. This means that you are still responsible for what normal food expenses would be for your family.

2. Housing as you have it broken down has not been documented. There has not been any documentation submitted that evidences you actually incurred these costs.

3. Southwest Shutter & Kitchen – this amount is an upgrade for your kitchen cabinets. You have been reimbursed for like kind and quality cabinets. The policy owes you what you had, not more expensive cabinets.

4. The torn screens are not due to water damage and would not be considered part of the loss.

Additional documentation to support the cell phone usage and overage of what was normal is needed, as well as any further support for the food, housing, and cabinets.

Please submit the requested documentation to support your claim in order for the additional costs to be considered for payment. Any additional payments that may be made on this claim are subject to management approval.


Farmers Insurance Company of Arizona


>>>> > >>>>>>>>, GCA

Property Claims Representative”

Notice that in the original list twelve different items were listed. This response only specifically addresses five of those twelve items. Also, the original list stated “All receipts were delivered to >>>>> >>>>>> by >>>> >>>>>>>, insurance agent.” This letter does not acknowledge receiving those receipts nor does the letter identify the specific documentation that is needed to satisfy the company’s standard of proof of claim. How can the couple provide documentation if they do not know the specific type of documentation needed by the company other than the provided receipts?


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