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Posted by tonyb on December 01, 1999 at 16:24:01:

> Sirs:
> On the 11/19/1999 the neighbouring two business burned to the ground.
> That day the fire crews used our building, a Sewing Machine RetailStore
> as a buffer and chopped holes in the roof and poured water in the atic
> of a three store structure to be sure to contain the fire next door. On
> the 20th of November Saturday at 9:00am a selvage crew arrived at the
> door and before we allowed anything to begin we asked the adjuster if we
> had replacement policy on the inventory and the Building , to which we
> were assured we did.
> That day the electronic and mechanical equipment that was exposed to
> the smoke and water was removed. During the following week the balance
> of our inventory and equipment totalling some $200,000. has been
> removed. Last Friday the 26th of Nov 1999, the adjusters wern't so sure
> we had replacement on the goods. Can they change their minds once things
> have been removed and some things taken directly to the dump?
> What protections do we have, Who do we turn to as most attorneys do not
> have experience in this area.
>
> Your advise would be greatly appreciated.

Court case after court case can be cited wherein adjusters did not act
in good faith. The important thing to remember is to preserve your
right to calculate, prepare and negotiate your claim from your
perspective. There are many ways to interpret coverage and damage, and
by far the best option you have, in our opinion, is to immediately employ
a public adjuster to protect your interest. The fee is usually a small
percentage of the settlement. Large property claims are complex and
very often values and damages turn on expertise and knowledge, not on
hope.

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