Monday, January 14, 2008

Farmers Insurance Group pays some money

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Fred Thompson for President
Endorsement posted on January 2, 2008

NOTE:
NOTE:
NOTE: I have now received a questionnaire from one of the three Republican candidates for Congressional District 18, which is my Congressional district. The envelop was postmarked on January 10, 2008 which means it was probably sent before my post that night chastising candidates for not showing leadership. I debated with myself whether or not to post it because it was after my cutoff date. However, he did respond while the other two candidates did not and I think it is important for the voters in the district to read his answers. I plan to post those answers tomorrow. I still will not be endorsing any candidate but the reader can draw their own conclusion on who was willing to respond and who was not.

If either or both of the other two candidates send a response I will post them, if I have time. My schedule at this moment is to again post my endorsement for President on Saturday, February 2 and to post the Congressional responses on Monday February 4. Therefore, to post both of the candidates I should receive them no later than January 31. This is my temporary schedule and subject to change. We will see if either of the other two candidates responds.

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
Unborn
Toddlers

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

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www.alliancedefensefund.org

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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”
January 11, 2008 post: “Farmers Insurance Group latest stall”
January 12, 2008 post: “Farmers Insurance Group is sent a response”

Tonight, I’m posting a letter received from Farmers Insurance Group dated December 19, 2007 (dated five days after the letter dated December 14, 2007 and posted on my blog January 11, 2008). The latest letter from Farmers Insurance Group sent to my client not to me reads as follows:

December 19, 2007

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

Re: Policy Number:
Date of Loss: 08/10/2006
Claim:

Insured: ~~~~~~, ~~~ and ~~~~~

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

Thank you for your cooperation in presenting the above claim. Enclosed are two settlement checks. $161.85 for spoiled freezer food and replacement of an a/c adapter and $434.77 for completed repairs by Speedy Glass and >>> >>>>>>>. Worksheets are attached for your review.

You chose to replace your hot water tank although it was not damaged in the water loss. Therefore, we cannot reimburse you for Expert Plumbing’s invoice of $193.27 for installing new plumbing parts for the hot water tank. I did not see a receipt for the $25.84 expense to Naughton’s Plumbing. I called, and was informed they are a plumbing supply store. Please submit receipt that lists out what parts were purchased so I can review for reimbursement.

It is our goal to provide superior service to each of our customers. (Note that she is talking about superior service in relation to a claim that was filed in August of 2006 and that needed an outside source—me—to even get this paltry sum paid after one year, four months, and additional days of stalling. I would hate to hear her definition of poor service. It may be a goal; is it a fact?—my addition) If you do not understand any aspect of your claim after reviewing the following information, please feel free to contact me at (520) XXX-XXXX or (928) XXX-XXXX. (I will repeat what I wrote concerning the December 14, 2007 letter and phone calls—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)

Respectfully,
FARMERS INSURANCE COMPANY OF ARIZONA

(Signature of Claims Representative)

>>> >>>>>>
Property Claims Representative

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

The mailing also included two checks—one for $161.85 and one for $434.77. Further, the mailing included two worksheets. I am including the pertinent information from each worksheet.

1) CONTENTS LOSS WORKSHEET

Food, damaged when freezer unplugged, amount approved by >>> >>>>>, adjuster (This is a third individual from Farmers Insurance Group originally involved in the claim—my addition.) = $150.00.

Replaced a/c adapter = $11.85

COMMENTS: (left blank—my addition)

SUB-TOTAL = $161.85

DEDUCTIBLE (left blank—my addition)

TOTAL = $161.85

(These totals correspond to two claimed amounts—Replace A/C adapter and Food/freezer—on the list dated August 25, 2007 and posted on September 18, 2007. The totals agree with my client’s totals and this part of the claim has been taken care of satisfactorily although very late in the process.)

(At the bottom of the page 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.”)

2) BUILDING LOSS WORKSHEET

Reimbursement for work completed by Speedy Glass—bathroom mirrors had to be cut in order for replaced cabinet to fit = $209.19

Completed repairs by >>> >>>>>>>—removal and reset of sinks, faucets, angle stops = $225.58

COMMENTS: (left blank—my addition)

SUB-TOTAL = $434.77

DEDUCTIBLE (left blank—my addition)

TOTAL = $434.77

(These totals correspond to two claimed amounts—1) Speedy Glass and 2) Removal and installation of water heater—on the list dated August 25, 2007 and posted on September 18, 2007. The total for Speedy Glass agrees with my client’s total and has been taken care of satisfactorily although very late in the process. The total for Removal and installation of water heater is $25.00 less than claimed by my client [A restatement: They are my client for the preparation of taxes. I am doing this for free—my addition] and therefore they are not yet satisfied with this amount. I don’t know if they are justified in thinking this or not since Farmers Insurance Group, at this point, has decided NOT to provide me with any information about the claim. See previous post.

The list submitted on August 25, 2007 was for a total of $13,049.09. So far, $596.62 has been satisfactorily resolved—4.57211% of the total unresolved claim. It is a start but a very slow start. Unfortunately, this seems to be typical of some insurance companies—provide a little satisfaction and stall the rest with the hope that the client will grow tired of the process and just give up and accept not receiving the total amount claimed.

I don’t intend to give up. One person described me as a “pit bull” which sinks his teeth into the leg of a person and refuses to let go. It was not meant as a compliment although I took it as such. We have only just begun the process and I don’t intend to let go)

(At the bottom of the page 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.”)

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