YES. - Posted by Jimmy
Posted by Jimmy on May 16, 2006 at 07:26:14:
The adjuster is jerking you around, perhaps trying to satisfy himself that you were not involved in the fire.
You do not need a public adjuster yet. They will take a chunk of your recovery, which may be unnecessary. If the IC refuses to pay, or makes a settlement offer that does not satisfy you, THEN hire a public adjuster. and make sure your deal with the PA is a fraction of the incremental recovery (and not the part you could have had anyway).
I have had two arson fires. The initial inquiry by both the fire marshall and the IC was to make sure I was not involved. Once that is determined, the insurance pays. Arson is absolutely covered.
The next time the IC guy tells you arson may not be covered, use these magic words: “Do you know what BAD FAITH means???” [when an IC refuses to settle up, and does so arbitrarily and wrongly, it can be considered bad faith, and it multiplies the recovery. like punitive damages.]