Saturday, January 12, 2008

Farmers Insurance Group latest stall
Fred Thompson for President
Endorsement posted on January 2, 2008

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)

Recently, I’ve been involved in a problem one of my clients has with Farmers Insurance Group. My previous posts in relation to this problem were:

September 10, 2007 post: “Beware of Farmers Insurance Group”
September 11, 2007 post: “Farmers Insurance Group’s response”
September 18, 2007 post: “Farmers Insurance Company received the requested list”
September 19, 2007 post: “Farmers Insurance Company’s response to the list”
October 16, 2007 post: “Farmers Insurance Group and my request for information”
November 27, 2007 post: “Farmers Insurance Group does not respond to my request”

Tonight, I’m posting Farmers Insurance Group’s letter responding to my letter dated November 27, 2007 and posted that night on my blog. The latest letter from Farmers Insurance Group:

December 14, 2007

~~~ and ~~~~~ ~~~~~~
(Address of policy holder given.)

Re: Policy Number:
Claim Number:
Loss Date: 08/10/2006
Insured: ~~~~~~, ~~~ and ~~~~~

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

We are in receipt of the correspondence from Mr. Don Vance. In reviewing the file we have found that we have no documents showing that Mr. Vance is a legal representative for you. In addition our policy does not reflect that he is a named insured. Therefore we are sending this communication directly to you.

I have reviewed the letter dated August 25, 2007 that summarizes your request for additional monies due to the above mentioned loss.

1) The policy pays for additional living expenses on an incurred basis. An advance payment of $2,400.00 was issued on August 31, 2007 for housing. You need to provide a receipt, canceled check or other form of documentation that you paid your neighbor, Mr. and Mrs. >>>>>>> $5,840.00 for housing September 9 through November 20, 2007 to collect additional monies. As previously stated in correspondence dated September 2, 2007, the policy pays for the increased costs beyond normal food expenses, thus payment of 50% of the incurred food bills have been paid.

2) $4,639.25 has been paid for the like, kind, and quality replacement of the cabinets and countertops. As previously stated in correspondence dated September 2, 2007, the policy does not owe you for upgraded materials.

3) You chose to replace your water heater, although it was not damaged from the water loss. The cost to remove and install the new water heater is not going to be covered under the claim.

4) The $463.00 paid for termite control after the loss occurred, again is not something that would be covered under the claim.

(Item 4 ended page one of the letter. At the bottom of the page after item four the following was printed: “For your protection Arizona law requires the following statement to appear on this form. Any person who knowingly presents a false or fraudulent claim for payment of a loss is subject to criminal and civil penalties.”)

5) Please provide a copy of the cell phone bill showing that an addition amount of $50.00 was billed due to overage charges.

6) The window screens were damaged by the contractor employee’s. Please contact your contractor for reimbursement.

Payment of $150.00 for food spoilage, along with the replaced a/c adapter will be paid under Coverage C—personal property. Settlement will be paid under a separate cover.

An undisputed amount will be paid for additional structural repairs under a separate cover.

Please mail the requested information to Farmers Insurance (an address is given) or by fax at (a fax number is given). Should you have any questions please call me at (a telephone number is given) or (another number is given) [Here is my advice to anyone who is dealing with an insurance company on a claim: NEVER, NEVER, NEVER deal with them by phone or verbally in person. GET EVERYTHING IN WRITING. DON’T BELIEVE ANYTHING THAT IS NOT IN WRITING. Follow this motto: PAPER TRAIL, PAPER TRAIL, PAPER TRAIL!!! They can not be trusted to keep their word!!!—my addition]


(signature of sender)

>>> >>>>>>
Claims Representative

(Farmers Insurance Group changed the claims representative that I had been dealing with in previous correspondence—my addition.)


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