Below, I am posting a brief list of basic resources that may help with the claim process.
Just a few of quick points for emphasis. First, DO NOT DISCARD damaged property until the adjuster has inspected and photographed the loss. It is very important that you have your own photographs of the damages. Even if all you have access to is a disposable camera, take lots of pictures that show the loss as soon after the storm as possible.
Second, keep a "critical post-loss events" notebook or diary on paper or PDA. Insureds may be examined under oath weeks, months, or even years after the storm. Memories made during the post-storm frenzy may fade. Record your dates of communication, persons involved, and summary of what was discussed. Also, record your efforts to make the required temporary repairs to the covered property. Although the Work Product Doctrine may protect these notes from discovery, prepare them in a professional way, as they may be used in coverage litigation. Avoid describing the adjuster in colorful terms, as a judge or jury may not appreciate your frustration and get a negative impression of you.
Third, know the deadline for submitting your Sworn Statement in Proof of Loss. This is a condition to coverage under most polices. The Texas Windstorm Insurance Association requires a Proof of Loss within 91 days of the claim acknowledgment, unless the time is extended IN WRITING. Do not rely upon a verbal extension from an adjuster. The National Flood Insurance Program requires a proof within 60 days of the flood. ONLY FEMA may consent to extend the 60-day period. Even the written extension by the servicing insurance company is not sufficient to extend the time to submit a fully compliant proof of loss. Failure to meet this condition is fatal to coverage and precludes any enforcement of payment allegedly due under the Standard Flood Insurance Policy ("SFIP") by a "Write-Your-Own" private insurer participating in the National Flood Insurance Program ("NFIP"). See, Suopys v. Omaha Property & Casualty, 404 F.3d 805 (2005).
I hope that this helps you achieve a prompt and fair settlement.
Regards,
Lee Gunn
HURRICANE PREPARATION:
Quick Steps Consumers Can Take Now to Make Filing A Claim Easier After the Storm http://www.naic.org/documents/consumer_alert_gustav.htm
Total Logistics Solutions Releases its Inventory Booklet to Ike Disaster Victims
Burbank, CA – Sept 18, 2008 – Rene’ Jones, founder and president of Total Logistics Solutions in Burbank, CA, a nationally recognized supply chain / logistics and commercial warehouse inventory management company. Announced today that his company will release its Inventory Booklet to homeowners who had their homes damaged or destroyed by Hurricane Ike.
“We realize that the best way for our organization to help homeowners get started on the right course after hurricane Ike and in the rebuilding process, is to make our tools available to the survivors,” said Jones. The user friendly inventory booklet, which is not normally available to the public, can prevent disaster victims from losing thousands of dollars on a substantial home or business insurance claim. Along with the booklet, homeowners will also get access to the online version of Cover Your Assets Inventory Software for 1 year for free, a $79.00 value. .
Jones knows quite well the pain of those suffering right now in Texas and Louisiana. In 2004, his home was destroyed by fire. Fortunately, no one was hurt in the blaze, however all of his families’ worldly belongings were destroyed, which left he and his wife in a state of confusion when they began trying to list everything they had lost in the fire for their insurance adjuster. Jones’ long and tedious process with his insurance company, and after only receiving 55% of his final claim, inspired him to want to help others through the inventory process by taking his organizations inventory knowledge from the warehouse and applying it to the living room.
CYA-Cover Your Assets is inventory software that allows a homeowner to record their homes contents or a business owner to record the fixed assets of their business. The desktop or online version of the software can be purchased at the company’s website www.itstime2cya.com.
Mr. Jones went on to say, “We know our booklet and software are only tools to help with this devastating catastrophe. Our Inventory Specialist can help speed up the claims process so these home and business owners can get back on their feet and begin focusing on what is really important, their families.” This is definitely the most sophisticated and user-friendly home inventory product on the U.S. market. Recently named one of the top products in 2007 by Money Magazine, the CYA software and Inventory Service is applicable for home and business owners which are preparing themselves for fire, flood, hurricane, tornado, theft, divorce, terrorism or in preparation for premature death for wills and trusts.
Or, the software and inventory booklet can serve as tools to help those individuals, that have lost all, remember what they had. “Our software has an intuitive database included that when combined with the inventory booklet will jog a person’s memory and help them create the inventory they will need to provide to their insurance adjuster,” said Jones. “Or, they can give us a call and schedule a “FREE” 30 minute telephone consultation to explain the process so they maximize their insurance claim.”
Total Logistics Solutions will be working closely with large metropolitan cities, chambers of commerce and schools to help prepare citizens in case of disasters in their area.
If you, your company or your city would like more information about this revolutionary product, call Total Logistics Solutions, Inc. at: 888-807-0958 ext. 709 or send an email to Alicia Martin at alicia.martin@logisticsociety.com. You may also contact Alicia to schedule an interview with Rene’ Jones the founder and president of Total Logistics Solutions, Inc.
About the Founder and the Company:
In 1997 Rene Jones founded Total Logistics Solutions, Inc. In November 2004, after his family suffered a house fire and was forced to create a home inventory, TLS designed the Cover Your Assets software and service. His long and tedious process with his insurance company inspired him to want to help others through the inventory process before a catastrophe happens to them.
Total Logistics Solutions, Inc has developed inventory control procedures and software for some of the largest organizations in the country. They have organized and overseen inventories in distribution centers as large as 850k square feet and with as many as 400+ people. The Cover Your Assets division was developed to aid homeowners in the tedious task of inventory and the insurance claims process. Cover Your Assets is not an insurance product, but it is designed to compliment an existing insurance policy.
Contact information:
Rene Jones, Founder
rene.jones@logisticsociety.com
Phone: (818) 353-2962
Alicia Martin, Director of Marketing
Phone: (888) 807-0958 Ext. 709
Email: info@logisticsociety.com
Website: http://www.itstime2cya.com
ABC Video Website: http://www.itstime2cya.com
# # #
Posted by: Alicia Martin | September 24, 2008 at 11:22 AM