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1994 Earthquake Claim Re-opening refusal from 21st Century Insurance

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Posted by G.Brickson on June 17, 2002 at 21:12:29:

After receiving my letter stating I wished to re-open my 1994 earthquake claim (for which I was paid nothing toward repair damage of my home because it was "just under the deductible amount"), in which I requested a copy of the original estimator's report of damages and value, etc. (which i thought I had lost), I received a call from a representative of the company who said he wished to arrange to have his adjustor come over to look at my home. I explained that I wished to see a copy of the original report to determine if there was damage not listed on that report which might suggest re-opening my claim (or underestimates) PRIOR to wasting anyone's time with a visit. His response was to send me a letter stating his company would not re-open my claim because "you did not have a claim for the 1994 Earthquake prior to the due date and/or did not apply for the re-opening by the due date." My original claim is dated November 1994 and my certified return receipt for this latest letter from me to them is dated December 2001. I continued to receive letters from someone claiming to be the assigned estimator with a request for me to call him (a toll call), which I have not done. About a month ago I received a curt letter from the 21st Century agent stating "the conditions of the letter sent you in January 2002 are hereby withdrawn." Is he trying to tell me he's now attempting to get out of his claim denial? I need an independent public adjuster and an attorney, I think. What are your thoughts? Do I need to worry about a deadline now that the denial of coverage may be "rescinded"?

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