INTERGROUP ADJUSTERS INC.

FLOOD DAMAGE: WE AT INTERGROUP ADJUSTERS INC.  ARE EXPERTS AT FLOOD DAMAGE, MOST OTHER PUBLIC ADJUSTERS ARE NOT, AND DO NOT DO FLOOD CLAIMS.  THE REASON FOR THIS THAT F.E.M.A. IS YOUR FLOOD INSURANCE. (MOST PEOPLE DO NO REALIZE THIS FACT).  UNLIKE OTHER INSURANCE COMPANIES F.E.MA. WILL NOT INCLUDE AS PAYEE THE PUBLIC ADJUSTING COMPANY ON SETTLEMENT CHECK.  FLOOD INSURANCE IS UNLIKE ANY OTHER PROPERTY INSURANCE WITH SPECIAL RULES AND PROVISIONS. IF YOU OR YOUR PUBLIC ADJUSTER DOES NOT KNOW THESE RULES IT CAN CAUSE A SIGNIFICANT REDUCTION IN THE PAYMENT FOR YOUR  LOSS. PLUS IF YOU HAVE FLOOD INSURANCE AND SOMEONE FROM F.E.M.A. COMES TO YOUR DOOR ASKING QUESTIONS,  DO NOT GIVE THEM ANY INFORMATION ABOUT YOUR  LOSS OR HOW IT HAPPENED. IF YOU NEED BLANKETS, FOOD, TARPS, OR CLOTHING , OR KNOW ANYONE THAT MAY NEED THESE ITEMS LET THEM KNOW.  BUT AGAIN DO NOT  GIVE ANY  FACTS  ABOUT YOUR DAMAGES OR LOSS OR HOW IT HAPPENED. THE REASON FOR THIS REMEMBER F.E.M.A. IS YOUR FLOOD INSURANCE, AND THE ANSWERS YOU MY GIVE IN YOU TRAUMATIC STATE OF MIND FROM GOING THROUGH A MAJOR DISASTER, AND THE WAY THE QUESTIONS ARE  ASKED MAY CHANGE THE  PAYMENT YOU MAY BE PAID ON YOUR CLAIM. YOUR ANSWERS WILL BE RECORDED ON F.E.M.A. DATA BASE IF F.E.MA. REPRESENTATIVE ARE PUTING YOUR ANSWERS ON A TABLET THAT IS CONNECTED TO F.E.M.A DATA BASE.  THEN IT COULD  BE SENT TO THE F.E.M.A INSURANCE ADJUSTER THAT IS HANDLING YOUR CLAIM. THIS MAY CAUSE YOU  PROBLEMS ON YOUR CLAIM.

 

EXAMPLE: STORM IRENE, NORTH CAROLINA , KILL DEVIL HILLS, INSURED FOR FLOOD DAMAGE, BETTY PARKER.  WHEN OUR DESIGNATED FIELD ADJUSTER WAS AT MISS PARKERS HOUSE EXPLAINING OUR SERVICES  TO MISS PARKER A F.E.M.A. PERSON WITH A TABLET CAME TO THE HOUSE AND STARTING TELLING MISS PARKER THAT SHE  WAS BORN AGAIN INTO GOD, LOVED HELPING PEOPLE AND HAD VOLUNTEERED WITH F.E.M.A AND HAD SOME QUESTIONS TO ASK. PLEASE NOTE SHE HAD A COMPUTER TABLET FROM F.E.MA. SHE WAS ENTERING INFORMATION INTO IT.  THE F.E.M.A. LADY STARTING ASKING QUESTION LIKE HOW HIGH WAS THE WATER, WHEN DID IT COME IN, WHAT DAMAGE  WAS DONE. WHEN OUR DESIGNATED FIELD ADJUSTER HEARD THE TYPE OF  QUESTIONS BEING ASKED TO  MISS PARKER , OUR ADJUSTER TOLD MISS PARKER, I KNOW YOU HAVE NOT HIRED US YET, BUT THESE QUESTIONS ARE NOT NORMAL FOR A F.E.MA. VOLUNTEER TO ASK. THE NEXT THING YOU KNEW THE F.E.M.A LADY STARTING SCREAMING AT THE TOP OF HER LUNGS, AT OUR FIELD ADJUSTER. OUR ADJUSTER WALKED OUT OF THE HOUSE WENT  TO THE HOUSE NEXT DOOR, AND WAITED. THE NEXT THING YOU KNOW TWO POLICE CARS SHOWED UP SIRENS BLAZING. OUR FIELD ADJUSTER TOLD THE POLICE OFFICER WHAT HAD HAPPENED. THE POLICE ASK FOR LICENSE INFORMATION Etc. FROM OUR ADJUSTER. THE POLICE THEN  WENT INTO THE  HOUSE CAME BACK TO OUR ADJUSTER AND SAID THAT MISS PARKER WILL CALL  IF SHE NEEDS YOUR SERVICES. OUR ADJUSTER LEFT  WENT ABOUT HIS WORK SETTLING CLAIMS.  ALMOST TWO MONTHS LATER; OUR ADJUSTER WAS  FINISHING A CLAIM FOR ONE OF OUR CLIENTS IN THE NEIGHBORHOOD OF MISS PARKER.  HE STOP BY TO SEE MISS PARKER'S HOUSE TO SHE HOW SHE WAS DOING. MISS PARKERS FIRST RESPONSE WAS "I WANTED TO HIRE YOU BUT I WAS AFRAID YOU WOULD GET ARRESTED." THEN MISS PARKER SHOW THE CLAIM THAT F.E.MA. OFFER HER WHICH WAS ABOUT $2500.00  DOLLARS AND F.E.M.A WAS GOING TO GIVE HER A LOAN AT SOMETHING LIKE 3 % INTEREST TO FIX THE REST OF HOUSE. AT THIS TIME OUR FIELD ADJUSTER ASKED MISS PARKER IF SHE WOULD LIKE US TO HANDLE THE CLAIM, SHE SAID YES . IMMEDIATELY OUR ADJUSTER WENT INTO TO ACTION WITHIN THREE DAYS OUR FREILD ADJUSTER GOT MISS PARKER ALL THE MONEY SHE NEEDED TO FIX HER HOUSE; FROM HER FLOOD INSURANCE. THE PAYMENT  WAS ABOUT TEN TIMES GREATER THAN WHAT THE FLOOD INSURANCE WAS GOING TO PAY. NOW MISS PARKER HAD ALL THE MONEY SHE NEEDED TO FIX HER PROPERTY AND DID  NOT NEEDING A LOAN FROM F.E.MA..