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Insurance help- denied claim without any evidence

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Insurance help- denied claim without any evidence

Old 07-19-2015, 08:32 PM
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Unhappy Insurance help- denied claim without any evidence

Hi,
I am looking for a well recommended insurance advocate somewhere around NY. Had a boat in great condition mysteriously take on water, after a well drawn out and documented process- the insurance company totally mishandled the claim. They are now denying it without stating a specific cause and will not provide the survey without a certified letter from an attorney.

Any help would be great, I prefer to not go into specific details yet since the case is still open.
Thanks!
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Old 07-19-2015, 09:22 PM
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Originally Posted by dtabreu17 View Post
Hi,
I am looking for a well recommended insurance advocate somewhere around NY. Had a boat in great condition mysteriously take on water, after a well drawn out and documented process- the insurance company totally mishandled the claim. They are now denying it without stating a specific cause and will not provide the survey without a certified letter from an attorney.

Any help would be great, I prefer to not go into specific details yet since the case is still open.
Thanks!
Who got the over/under on the page count on this one?
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Old 07-20-2015, 01:01 AM
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"mysteriously take on water"? Seems like the insurance company thinks they've solved the mystery. Maybe that certified letter from your Attorney might shed some light.

Last edited by Jkcam; 07-20-2015 at 01:13 AM.
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Old 07-20-2015, 03:49 AM
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Get a lawyer.
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Old 07-20-2015, 03:51 AM
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Can we at least get a pic or two??
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Old 07-20-2015, 06:55 AM
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Originally Posted by Snoozin View Post
Get a lawyer.
Any recommendations? I'm on Long Island, NY.
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Old 07-20-2015, 07:04 AM
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They gave absolutely no reason for the denial?

Too much information missing to make a reasonable determination as to what the hell is going on.
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Old 07-20-2015, 07:13 AM
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They quoted no clauses whatsoever and said that they don't cover ice damage but from speaking casually with the friendly surveyor he said that it wasn't ice but he couldn't say anymore since he was hired by the insurance company. They offered to pay for shipping to another marina from where it currently sits but that's it. The boat floats on its own now but it completely totalled due to the way the insurance agency handled it.
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Old 07-20-2015, 07:28 AM
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So there's agency involvement as well?

If they said ice damage isn't covered, then they determined the cause of water was ice damage. But how they determined that is based on the report given to them by the field appraiser.
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Old 07-20-2015, 07:29 AM
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Originally Posted by dtabreu17 View Post
They quoted no clauses whatsoever and said that they don't cover ice damage but from speaking casually with the friendly surveyor he said that it wasn't ice but he couldn't say anymore since he was hired by the insurance company. They offered to pay for shipping to another marina from where it currently sits but that's it. The boat floats on its own now but it completely totalled due to the way the insurance agency handled it.
Get your own survey. Then compare the findings against your policy. If it's not excluded then submit the survey to them. Or just pony up the big bucks and get an attorney and he will charge you for his time and a survey.
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Old 07-20-2015, 07:37 AM
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Originally Posted by dtabreu17 View Post
Hi,
I am looking for a well recommended insurance advocate somewhere around NY. Had a boat in great condition mysteriously take on water, after a well drawn out and documented process- the insurance company totally mishandled the claim. They are now denying it without stating a specific cause and will not provide the survey without a certified letter from an attorney.

Any help would be great, I prefer to not go into specific details yet since the case is still open.
Thanks!
Typical. Get a lawyer... getting 2/3 of something is better than getting 0/0 of something... in my recent experience, the 1/3 the lawyer takes is made up for the extra the lawyer is able to get. Never thought I'd be such a proponent of these kinds of lawyers... but, at least where I live, you need them -- and I respect them.

If you want to play nice, send them one certified letter with return receipt... asking them to present you with the survey and a full explanation of denial. If they ignore you - there you go. If they reply you have something to go on.

I would be sure and highlight in the letter TO them that they wouldn't deal with you unless you sent the letter you're sending.

Then find a lawyer you can trust (that's not easy... look for referrals and get EVERYTHING in writing!!!!)
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Old 07-20-2015, 07:43 AM
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This isn't an injury case, OldPete, a lawyer doesn't get a percentage of the recovery. OP will be out-of-pocket for every hour of the lawyer's time.

That's why most PI lawyers in FL won't handle property damage for you. They can't make money on it.
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Old 07-20-2015, 07:43 AM
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The insurance company is required to tell you why they are denying the claim. Needing a request from a lawyer also does not make any sense. More to the story then we are being told in my opinion. Did you fail to give a recorded statement?
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Old 07-20-2015, 07:46 AM
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Originally Posted by fishingfun View Post
The insurance company is required to tell you why they are denying the claim. Needing a request from a lawyer also does not make any sense. More to the story then we are being told in my opinion. Did you fail to give a recorded statement?
He did say they concluded they don't cover ice damage.
So, they concluded through some investigative process that the damage was caused by ice.
So therefore, there MUST be an exclusion somewhere within OP's policy that names ice as an exclusion. OP can certainly find this himself if he looks.

Leeroy gave the best advice. Hire your own surveyor to complete an evaluation and submit that to your insurance carrier for review.

the "very friendly" appraiser for the insurance company may have old you it "wasn't" ice, but it sounds exactly like he reported ICE as the cause of the damage.
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Old 07-20-2015, 07:49 AM
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You should have a letter of denial so post that so we can see what they said.
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Old 07-20-2015, 07:59 AM
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Originally Posted by fishingfun View Post
You should have a letter of denial so post that so we can see what they said.
+1

Everything else is just hearsay
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Old 07-20-2015, 08:58 AM
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Originally Posted by chimmike View Post
This isn't an injury case, OldPete, a lawyer doesn't get a percentage of the recovery. OP will be out-of-pocket for every hour of the lawyer's time.

That's why most PI lawyers in FL won't handle property damage for you. They can't make money on it.
So find a lawyer that will do it on contingency and give them a third? My PI attorney took care of the property damage as well and fought for the diminished value as well. Maybe that's why I like her so much... she got the job done all around.

I'm certain that with the right public adjuster or lawyer, you're better off than you are by yourself with these people. Insurance: Roach Motel for you money... it goes in, it never comes out (without a lawyer).
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Old 07-20-2015, 09:28 AM
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Originally Posted by Snoozin View Post
Get a lawyer.

Why should he? most folks on this forum hate lawyers, a plumber would be better since he stated it had a "leak".
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Old 07-20-2015, 09:45 AM
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Simple question to the OP: What caused the water to get in the boat?
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Old 07-20-2015, 09:47 AM
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The boat is ruined from how the insurance company handled the case?
Not sure how they did that?
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