The toilet water hose on the top floor burst, which caused water damaged and mold throughout my home (Drywall, Ceiling Cabinets, Carpet, Stairs and Electrical).
I did not know what to do. I called my insurance company, but three days later they went out of business. Its been over a month now, and still I did not have anyone call me about my claim.
I heard about ECPA on radio shows, I also saw their ad at UM Football games. So I decided to give them a call for information. They were very helpful and explained to me the steps they will take if I decided to chose them as my public adjuster.
ECPA took over, and immediately got the ball rolling. They told me that FIGA took over, and they have assigned an adjuster to my home.
The insurance adjuster from insurance company inspected my home in less then ten minutes, then offered me a check for $13000 (not detailing funds of the check). The mold remediation alone was $10000.
Bob Tribble was the public adjuster assigned to me. He understood my policy, and explained to me what is covered, and what isn't covered. He did a thorough inspection of my property and told me that $3000 will not cover the damages in my home.
FIGA assigned to me, brought in another inspector.
ECPA kept me informed regularly on the process about my claim with FIGA.
At the end ECPA and FIGA agreed to a $65000 claims settlement, which covered the damages, lodging, and the mold.
I had no idea, that my insurance covered lodging. The insurance company never mentioned that to me.
Its funny, but I had no idea about public adjusters. I always thought the insurance was fair. If the insurance did everything in a timely manner, I would not had called a public adjuster due to my ignorance of the business, and I would have excepted their $13000 settlement check. However, because they gave me the run around, then eventually went out of business; I got the opportunity to listen to the advertisement on the radio, and had the courage to give ECPA a call. I hope to God, I never have to file a claim again however, if I do, I will call ECPA. I will recommend ECPA to anyone that has to file a claim for their property.
(Originally my insurance company offered me $_13000, but East Coast was able to help me get payment of $_65000)
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