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Contract Issues - Unauthorized changes to the contract or agreement
gross negligence and breaches of trust, On a fire Aug 7, 2011, World Claim was conacted to help me. My structual policy was $121000...Insurance made an undisputed offer of $66000, world claim was handleimg my affairs The person in charge of my case Aline Keiper said more money will be coming...With that $66000..they wrote a check out to an restoration firm CRS yhat Worldclaim farm out for $16000 .CSR done an awful job of gutting my house out and leaving alot of junk still around and an $50000 check was made out to chase bank and me. with $50000 i could not begin to make the repairs to the house, so the house was sold for the land value as is.After the IRENE (STORM) I lost contact with everyone .Still noone will return any calls.Assuring me that everything was still all right after 3 more moths Aline wrote to me and ask me the get the documents signed by an notary and another $26000 will be coming to me as soon as I sign off...I did and ending up with NOTHING MORE..., Now my lease for the apartment is over and I am stuck without a house. ***Will produce letters on demand******
really helped this person (NOT)
In response to the above mentioned complaint, WorldClaim Global Claims Management’s position is that the accusations in the complaint are deemed to be untrue with lack of facts and/or documentation. The complainant hired us to represent him in the preparation and negotiation of his Insurance Claim.
The facts are:
1. The complainant was issued an email from our office on 12.19.2012 that indicated the Insurance Company was offering an additional $16, 653 (Which was his recoverable depreciation), based on negotiations that had transpired with our Adjuster and the Carriers Adjuster. Then from this date until the next email of 01.17.2013 the Insurance Company had revalued his claim based on a penalty because the complainant was grossly underinsured. Because of this; they had essentially lowered his settlement on his Coverage A to $72, 000 replacement cost with only a $6, 000 recoverable depreciation. This was verbally articulated to the complainant. Our Adjuster then renegotiated the claim to increase the recoverable depreciated again for an additional $10, 000. His total settlement on the Cover A building structure concluded that he would be owed $66, 000 as an Actual Cash Value Settlement with a $16, 653.00 recoverable depreciation.
2. There was never a proof of loss that was signed that indicated he would be entitled to an additional $26, 000. The proof that was executed clearly indicated that he would receive $66, 000 with a $16, 653.69 recoverable depreciation. In order for the complainant to recover the $16, 653.69 he needed to either a.) Make repairs to the property that exceeded $66, 000 and prove the expense, or b.) Purchase a similar home in which he could prove with a purchase agreement. This was all articulated to the complainant; which he disregarded.
3. CRS is an Emergency Services company that was hired by the complainant. The fact that their invoice of $16, 000 was taken out of his settlement was due to a direct pay and authorization agreement that he signed with the company directly. Whether they took it out automatically he was obligated to make payment accordingly.
4. The remaining $50, 000 check was issued to him along with his mortgage company as they have a vested interest in the property and insurance claim. At that time, the complainant had paid off his remaining balance of his mortgage and was left with an amount that he was going to use to purchase a new home. That was always his sole intention. In good faith, we have called around to local contractors to get verbal bids on the job and all were inclusive that this work repair could easily be completed for the $50, 000 that was given to the complainant.
5. The complainant was also notified on 12/19/2012 that his Additional Living Expense money would be cut off per his Insurance Company on 03/31/2013. He is and was still eligible to be renting a place and having it reimbursed until that date per his policy coverage’s.
Further to this complaint on his structure: WorldClaim’s team worked diligently on all aspects of his claim including getting coverage’s to his Mother for personal property and ALE that were not afforded to him as she was not listed as an additional insured. It was a long battle of negotiating with the Carrier that we were dedicated to proving to ensure that our client was getting the best benefit possible to assist him during such a tragic event.
Since, this complaint we have made phone calls to the complainant to speak with him and also set up a confirmed meeting with him for 02/21/2013; he has since canceled.
In conclusion: The complainant had 25% damage to his home. His policy limit was $121, 000. We were able to settle and negotiate this total claim for $101, 000 which includes all coverage’s. Based on the work and diligence set forth on the claim we feel this complaint is defamatory towards our company and our services based on the lack of understanding by the complainant.
On a side note: The complainant has $5, 346.45 in past due invoices (which do not include interest) payable with an original invoice date of 11/16/2012 owed to our company for services rendered based on our executed contract.
Should you require any additional information or documentation, please contact our office directly.
Thank you,
WorldClaim Global Claims Management