Miguel & Paula Yasser

Miguel and Paula Yasser live in a single family home in North Miami, Florida. It sustained damage from Hurricane Wilma on October 24, 2005 when a 60 foot tall and 6 foot wide Pine Tree fell on top of the house. The Insurance Company offered a paltry sum of $25,368.00 and applied a deductible of $3,000, resulting in a net offer of $22,368. Almost immediately the insured retained the services of a public adjuster.

The public adjuster hired us on March of 2006 to prepare the estimate for them due to the amount of structural damages. We prepared an estimate amounting to $130,321. The carrier rejected the offer which prompted the insured to engage our services on June 05, 2006 as appraisers. The appraisal clause was invoked and the carrier named their appraiser .

In our previous dealings with this appraiser we found him to be less than timely and totally combative. After his initial inspection he prepared an estimate for repair amounting to $54,252.93. We questioned his repair of the structural elements and he agreed that he was unsure what to do with the structural damage and would have to hire an engineer. The engineer prepared his report in December of 2006, detailing the severe structural damage. The carrier's appraiser kept the report hidden and revised his estimate to $128,819.27. We declined the offer and asked that the file be given to the umpire. But again this carrier’s appraiser's only skill is the art of delay tactics. Carriers like to use him because his delay tactics wear down the policy owners to the point that many accept an amount which is less than just.

A final hearing was set and an award was issued on April 09, 2007 in the amount of $137,520.51. The engineering report had to be disclosed when the file went to the umpire and the umpire was so disgusted with the other side that he agreed with our estimate of damages and included additional repairs that the engineer outlined. Due to the blatant mishandling of the file by the carrier and his belief that the matter should have been settled a year earlier, the umpire waived his fee to the insured.


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