5 ways to Trick an Insurance Claim Adjuster
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- Опубликовано: 20 июн 2024
- Does it feel like the insurance claim adjuster has the upper hand on you? Now you can fight back with some sound advice from a Public Adjuster.
Don't let the claim adjuster and the insurance company take advantage of you.
Trick an insurance claim adjuster and beat the insurance company at their own games.
Mike Keeler, a Licensed Florida Public Adjuster, use to work for an insurance company so he knows all their dirty tricks.
Let me share one Trick:
1. When the insurance adjuster makes you a low ball offer and you've tried a few times to get them to give you more money but they just refuse, what you can do, if you have property in Florida is to request a meditation thru the State of Florida.
I talk more about the process in the video.
This video is simply to let people fight on the same playing field. The insurance company and insurance adjuster use dirty tactics against you so it's time to fight back with your own tricks.
If you need any help with a claim, give me a call, Mike 754-252-5438
Toll Free (800) 311- 5753
Email : TheClaimSquad@gmail.com
Website: www.theclaimsquad.com
![How to Maximize Storm Damage Claims [10 tips to help]](http://i.ytimg.com/vi/b8eWcmNzs5M/mqdefault.jpg)
Just curious, how are these tips supposed to help get the claim resolved quickly and accurately? Seems like they are tips to just torture the claims adjuster and drag things out.
Hi Aaron thanks for the comment. This video is not about settling the claim. This video is about protecting yourself from insurance companies predatory tactics.
Please see a few of my other videos for help settling your claim like
"How to Maximize Storm Damage Claims" "10 tips for filing a Homeowners Insurance claim" "Get the insurance company to pay for a new roof" etc...
Thanks for watching my videos hope it helps
Aaron my guy, you’re on the right path! Toss guy is a joke.
They don’t help at all… A semi trained adjuster will likely deny if a person uses this guys advice. A well trained adjuster will be able to poke holes in EVERY one of these scam tips! This guy is going to cost insureds, contractors and PAs lots of money! Insurance is relative to a date of loss and without that you have no legal basis for a claim. This guy is a complete idiot! 😂
As an insurance fraud investigator of 33 years and former law enforcement officer, this man is giving very poor advice that could get your claim denied or even get you charged with insurance fraud. He seems to have no understanding of an insurance policy and the duties after a loss.
Lol ok Mr Insurance Guy
Since I worked for an insurance co before there is absolutely nothing fraudulent with any second of this video. I'm not really sure you understand the claim process and the legal environment because you do sound inexperienced but please do share a bit more details.
I'd love to go into greater detail to help you understand things.
@@theclaimsquadpublicadjusters A material lie about the facts of your claim is a felony in my state. You are required to prove your claim and cooperate with a claim investigation. I assure you that I have seen people criminally charged and convicted for what you are telling people to do. Plenty of job security for me with your advice.
@@laneroberson7601 I asked you to be specific about the video I produced. All you did was give general info. Did you know if you drink and drive the injure someone that's a felony too?
I always have insurance people come on here telling me why everything is a crime lol
Hilarious
I work with attorneys everyday
We are fine trust me ;)
Keep protecting the insurance company, I'll keep fighting for people.
@@laneroberson7601 please also send me the statute about material lies in a claim is a Felony
I'll review it
@@theclaimsquadpublicadjustersI’m done. I don’t have the time to waste on you. Read “Duties after a loss for an insured” from a policy. Also review your criminal statutes for insurance fraud and obtaining property by false pretense. If you can’t see the problem from that, I can’t help you.
Hi. You got all the adjusters pissed at you on here lol. Thats how you KNOW you doing something right. -What is the reason to file mediation and why is it good for them not to know?
This video was super helpful fuck all them haters
Play dumb? Video record? Don’t show up for the inspection?? Sounds like a video of how to waste time and drag a claim out. This is literally the worst advice I’ve ever heard from a PA who ultimately wants to trick the adjuster and the insurance company. Smh
Or you have the other option
Let the insurance company low ball you, deny your claim, or drag it out for years. You ultimately have the choice. BTW, I have all 5 star reviews and teach PA classes, worked for a law firm, was an expert witness hired by attorneys, WORKED FOR INSURANCE COMPANY, and independent adjuster.
Can you please share your credentials? I'm guessing work for the insurance company
Remember, I work for PEOPLE not THE INSURANCE COMPANY
Your sick
Nice guys do finish last when you're dealing with money usually so you know what you're talking about...It is what it is baby
Great video bud
Uh, you advised to video record the damage inspection - then advised to _not_ be present during inspection, so as to avoid providing answers that will be used against your claim. How's that work? Should you have a friend do the recording?
Some people have to be there because they don't have a friend, relative, etc...who can be there on their behalf. When that is the case feel free to record everything. Yes, you can also have the person who is present on your behalf record as well if they ok doing it.
If I had to choose, I'd choose for my client NOT being present over recording the inspection 👍
@@theclaimsquadpublicadjusters I see .. Great to know, thanks!
The tip about not being there during the inspection is brilliant!
You're making legitimate PAs looks bad. Isn't there enough real business out there?
7:05 "how to pull one over on the insurance adjuster" implies you are fraudulent. I feel sorry for whomever hires you to handle a claim. It's about reaching a fair and equitable settlement, not pulling one over an adjuster or insurance company. You even listed senarios where the an insurer could rightfully deny a claim. Thanks for helping our industry get a shitty reputation.
Definition of pulling one over - To fool or deceive one; to make one the victim of a prank or hoax. I'm pretty sure you aren't pulling one over the people that watch this garbage. 🤢🤮 Many people calling you out.
Actually we are here because of roofing companies like YOU. Take a look at the Florida laws they are talking about roofing companies like YOU taking advantage of people, going door to door, then screwing people when the insurance company doesn't pay. So if anything, people see that a very small group of scam roofing companies operated by people like YOU have now placed this State in insurance turmoil. Google it please.
People are now being educated about roofers like YOU so your days of taking advantage of people are over.
@@theclaimsquadpublicadjusters you sound hurt lol. What happened?
Good video.
Great! 👏🏼👏🏼👏🏼✅
Got a good story for a car theft , could def use one right now buddy!
Bwahahahhaa … the dog had me rolling
Trick number 4 - yes of course let’s provide false and misleading information.
Other wise know. As misrepresentation or in simple terms, fraud.
What great tips 😂
Thanks for your comment. There is no fraudulent information give in this video.
@@theclaimsquadpublicadjusters "There is no fraudulent information give in this video" is a correct statement. The fraud will be committed by the insureds who follow your advise. If an insured fails to notify their insurance when they notice a loss, any additional damage caused by their delay to address this issue may be outside the coverage of their policy. As stated above, insureds have responsibilities they must follow. This information is specified in their policy.
Just do the right thing.
@@pagenelson1775 thank you Mr Insurance Claim adjuster for your response.
Keep protecting your bosses and your paycheck from the insurance company.
I will continue to fight the very people that you adjusters continue to screw over by underpaying or denying their claim.
Are you attempting to say that a homeowner saying “I don’t know exactly” is fraudulent and unlawful?? You can’t be serious. This is literally done on the stand during trials perpetually. Maybe focus on getting better at your job.
@@lanejatzlau8489 Of course deceiving someone about a "material fact" is fraudulent. It is the very definition of fraud. When it is done by someone in a trial it is called perjury.
Thank You I’m Loving It🔥🔥🔥🔥
Yup. They deserve all this and more.
💯 agree
I have an adjuster coming out in a few days and i have a feelings hes gonna be a pain just off the phone call we had
Lucky you ...good luck
Following my tornado claim, the insurance company adjuster was awesome. It was a give and take process that I thought was very fair.
It’s generally like that every time. Guys like this have a purpose to muck things up and get paid.
LOL ok...."Insurance company adjuster was awesome"
Indeed he was. Safeco employee. Smart, knowledgeable, and looking for ways to pay the claim. On the other hand, my auto claim experience with another carrier was awful…coverage wasn’t an issue, just very poor service and virtually no communication.
@@TheSpydersBand what state ?
@@TheSpydersBand your reply is really strange
Send me a copy of the payment letter
Mike, do you know anyone who does your job in California?
There are PAs in California usually in the bigger cities. I know of a couple but not personally
@@theclaimsquadpublicadjusters oh ok, thanks Mike. I'm trying to help me sister get this situation resolved with no avail. When you don't know how to handle crooked insurance companies you can get messed up.
This guy sounds like someone who put a claim in because the neighbors down the road got new roofs from hail damage and he feels his 30 year old roof should be replaced too and didn’t get one. And now he hates all insurance companies and is hoping you ride his train lol adjusters are way more willing to find solutions when the insureds are transparent and helpful. The adjusters are paid hourly, not on how much money they save the company by denying claims or “lowballing” lol people don’t do these things, you’re setting yourself up for a poor claims experience that’ll most likely be dragged out longer than it needs to be.
Mr Pena
Sounds like you are an "independent" adjuster
I must thank you because if it wasn't for you "independent" adjusters or direct insurance company adjusters there wouldn't be so many public adjusters and I wouldn't have a job. I don't dislike you guys, not at all, I actually love you guys for keeping me in business.
If you ever around S Florida I owe you and all claim adjusters a dinner.
Thank you Jesse keep doing what you guys are doing 🙏
@@theclaimsquadpublicadjusterswhy do you assume anyone that disagrees with you is an adjuster or works FOR the insurance company?
@@adamhenry5019 because it's so easy to see lol
You think a homeowner gonna come on and say I don't agree with you...Im looking forward to being taken advantage of by the insurance companies 😂
@@theclaimsquadpublicadjusters Actually - YES! I'm a homeowner and I vehemently disagree with you. I have NEVER worked as an insurance adjuster - and I vehemently disagree with you. I just HATE liars and cheats. Call me crazy.
@@johnnynick6179 lol ok Mr Homeowner I'm not an adjuster
We believe you..
Btw, come back next week
I've got how to trick an insurance adjuster 2nd edition coming
You'll love it
I don’t know who I I’m supposed to call to get my injuries and the pain that I’m trying to get help with Allstate Fire and casualty insurance to settle my claim for my injuries I have incurred in the accident can you please let me know please I’m going to hell and back with a person that I’m dealing with that I’m being treated like my health and my injuries are not going to get compensated for my car was totaled
This is a good way to get arrested
Lol arrested for a homeowner protecting their rights? Got it
If adjusters like you (criminals) haven't been arrested for intentionally underpaying and denying claims then a homeowner trying to protect their rights surely won't
Isn't it a violation of some RUclips policy to openly advise people to commit insurance crimes?
It should be a crime to allow insurance companies to screw people wouldn't you agree Mr Insurance Company Adjuster?
Just because a wall is "damaged" or "stained". Doesn't mean it was damaged by an insured peril... nor does it mean that the wall cannot be repaired by drying equipment, stain blocker and paint.... and the schedule of loss or list of contents, adjusters want that, so I'm sure they would be happy you already completed it, idk why you want them to sign it, they Haven't inspected the contents nor are they contents experts, they may be electronics that need specific experts to open and look at it. If you cannot indicate when the damages happened the isnruance company may come to the conclusion they could of been done at different times and that could mean different claims and multiple deductibles... not a great idea. It's a statutory condition to work with the insurance company on your claim, they may even have a condition that requires you to make a statement under oath... you are just trying to be difficult, it will not help.
How about this...when you have damage in your home to a wall, you can put drying equipment, stain blocker and paint lol
You are not making the insured "whole" like the insurance policy is meant to so guess what? You have just breached the contract which means lawsuit time. This is why people like me protect homeowners from insurance adjusters like you.
What I'm doing is trying to help homeowners not be difficult like you stated. Actually, it's the insurance company abusing the examination under oath conditions that are being difficult.
Your job is protect the insurance company.
My Job is to protect people and homeowners from the insurance company and adjusters like you.
Is this reliable
in my opinion YES
Nope
Yes@@Simplexaero
By the way, fraud is a jailable offense. I would highly not recommend you attempt any of these suggestions... especially since when I catch you, the insured, will likely end up with nothing. (see definition for CONCEALMENT in all insurance contracts). Attempts to conceal information as in the way described actually releases an insurer, of their obligation to pay. The public adjuster is willing to take that gamble, it's not their money so they loose nothing if it doesn't work. Whereas you will loose all of the value of the premiums you have paid to the insurance company if the public adjuster were to loose this gamble, with YOUR MONEY. How about them apples? lol
To little to late I did some of this but I have no friends. And he had to enter my bedroom. It's not as easy as you make it sound. 3.000 dollars worth of water damage. And he said it wasn't even 700. My deductible is 1.000. si now I am f ...u .kked I don't know what to do. My ceiling is falling in. 25 years we have paid into state farm. I don't know what I am going to do 😭
Sorry to hear that. You can supplement the claim.
Write an email that the adjuster underpaid your claim and failed to take all damages into account accurately then submit the documentation to show the damages are $3,000 (or more) and see if they will pay that. Depending on the state you live in there is also mediation you can go to. In Florida, the State provides mediation free of charge for the homeowner.
@@theclaimsquadpublicadjusters thank you . This is so nice of you to communicate with me. I didn't even know about this . I tried calling a public adjuster. He said that the claim for 3.000 was to low for them to come out. But he did say I could get an estimate like you said. And submit that. Thank you so very much God bless you.
1- You could just have a contractor submit his estimate and he and the adjuster can work out and agreed upon final. 2- Before you waste your time trying to record the adjuster, check to see if the adjuster is a staff adjuster or an independent adjuster. Independent adjusters do not have coverage authority . 3-I love it when there a is a list I tell them to hold the list and we will compare when I am finished with my inspection. 4. Why is this guy telling you to lie "I don't know exactly" but you do know. I mean if you have known about a slow leak for 6 months but didn't report it then your claim shouldn't be covered. Why is the insurance company the only party in the signed policy agreement that has to adhere to the policy. I have always been taught to err on the side of the insured, give the insured the benefit of the doubt. If you have a pipe leaking in your wall for 6 months but just noticed it, you called to start your claim when you first noticed it. I am going to cover that loss. I can't expect you to be able to see into the wall anymore than I can trust this guys Cause of Loss. 5- I would prefer to inspect alone, if you have given permission and access to your property it actually goes faster. If your supposed to be there and you no show, you have put yourself at the end of my list. We will have to reschedule you for another time and I am about two weeks out. So lets go ahead a get you scheduled for two weeks from now. Don't forget, while we are waiting for the inspection it is the insured's responsibility to prevent further damage. So lets hope you get the emergency tarping done, get mitigation to dry you out I would hate for mold to set in and deny your loss because you didn't take the necessary steps to prevent further damage. I find its alot easier to for everyone if the adjuster establishes a good relationship with the insured and the insured's contractor. Not sure what carrier this guy worked for but they must have been crap. Alot of the adjusters are independent adjsuters. IAs are paid on a tier schedule meaning the more the claim the more we get paid. There is no bonus for saving the insurance company money so most of us are not trying to leave money on the table.
Too many people realize adjusters, both field "independent" and desk adjusters are absolutely worthless
It's playing out right now in Florida after Hurricane Ian. All you adjusters talk such a great game like , "we will cover everything don't worry" and you guys give them a check to replace a door handle.
IA’s are largely paid on a fee schedule. The larger the claim, the greater the fee.
I dunno- I’ve always thought the best “trick” is to just be honest.
Spoken like a true company guy
Yikes
I Have never seen an adjuster make a ''low ball'' offer after an inspection. We prepare an estimate based on damage reported and observed. When you have a contractor estimate or invoice, we adjust up from there based on additional damage or additional cost not estimated for when incurred or found by the contractor. The worst thing I have seen is the outrageous deductibles in some locations(LA) and people who do not have the coverage they think they have. Do a video on coverage review. More useful. In my experience (StateFarm and Allsate) they go out of there way for the insured, if it is in policy, to pay as much as possible. It's the "In Policy" that needs to be addressed before the event. .......And most independent adjusters work on commission and get paid more for more damage found. During a mass claim event you are almost assured to get an independent adjuster who's commission is paid by the insurance company and does not affect your claim. It is not in their interest to ''Low Ball''.
Respectfully, I'm not really sure what you're saying is accurate. 1) Insurance companies will tell you, Independent Adjusters, to take things off their estimates. How do I know? In depositions we got their original esx files and noticed after sumbission to insurance company it was altered. 2) While you work on commission based on the amount again please refer to #1 3) We have more lawsuits after Hurricanes because IAs (not saying you) but 80%+ do not accurately depict all the damages. Again, this is by and through depositions my attorneys take that put insurance company hired adjusters on the hot seat as we show pictures and line items of damages "missed" or not accounted for. 99% of all inspections in Florida done by IAs are extremely low. I can show you an appraisal we just settled for $145,000 approx and the "Independent adjuster" wrote a $52,000 estimate. Please email me I'd be happy to share all these documents and as many independent adjusters estimates you need to show how my experience is complete opposite of yours. I'm in the trenches until the very last day of settlement and beyond. Your job is simply write the estimate and your done so my experience I believe is much more accurate account of things. Here is my email: TheClaimSquad@gmail.com
LIAR YOU BE ONE OF THEM
Uhhh...no, my rental flooded, my $5000 cinema camera was ruined, the adjuster offered my $200!!! He said if I buy a new one for $5000 and show a receipt, he'd offer me $2000..so I have to spend 5k to get back 2k. They talked it up selling me on it..if you call to file they immediately tell you to not bother filing because they're not gonna give you much. What a joke!
Just say you don’t know what you’re talking about. Just about everything you said is utter horseshit. It’s almost all the complete opposite.
Saying "I don't know exactly when the [loss] occurred" when an insured, in fact, knows exactly when the loss occurred IS a misrepresentation and possible fraudulent statement, voiding insurance coverage, if the loss date/time is relevant (material) to the insurance company's investigation and determination of coverage. Same goes for how a loss occurred. I understand you're trying to sell your public adjusting services by scaring people into thinking their insurance companies are out to screw them, but telling (and trying to teach) them to "trick" their insurance adjusters does a disservice to yourself, your profession, the industry in general, and your prospective customers. Be careful, people.
Can you please point to any statute in any state that clearly reads someone can't say the exact date of loss in an insurance claim? Please point to any insurance policy that states the same.
I love how you insurance company people get all upset when someone is actually helping and protecting people from insurance companies because of how they treat people.
You insurance company people always say if you say that or don't say that it's Fraud , a misrepresentation, LOL
No it's not.
You should be paying people's claims and stop screwing people rather than watching my videos.
@@theclaimsquadpublicadjusters Why don't you ask your regulator, the FL DFS, what it thinks of telling insureds never to tell the truth even if they know the truth about an exact date or cause of loss.
But since you asked, FL Statutes § 817.234 states:
(1)(a) A person commits insurance fraud punishable as provided in subsection (11) if that person, with the intent to injure, defraud, or deceive any insurer:
1. Presents or causes to be presented any written or oral statement as part of, or in support of, a claim for payment or other benefit pursuant to an insurance policy or a health maintenance organization subscriber or provider contract, knowing that such statement contains any false, incomplete, or misleading information concerning any fact or thing material to such claim;
2. Prepares or makes any written or oral statement that is intended to be presented to any insurer in connection with, or in support of, any claim for payment or other benefit pursuant to an insurance policy or a health maintenance organization subscriber or provider contract, knowing that such statement contains any false, incomplete, or misleading information concerning any fact or thing material to such claim[.]
Saying one doesn't know exactly when or how a loss occurred is a "false, incomplete, or misleading" statement if the insured knows exactly the date or loss, right? There's the statute for you.
Surprised you don't know the insurance fraud law that exists in the state in which you are licensed, Mike.
You should be telling your clients to tell the truth and cooperate with their insurers' loss/claim investigations rather than telling them how to "trick" their insurers' adjusters.
@@royamura Boy you insurance company adjusters love to fabricate stories
Saying "I don't know" on a date of loss is NOT fraud
Just like when my partnering attorneys take depositions of insurance company adjusters like you and during the deposition it is asked " What is your reserve on the claim" answer from guys like you "I don't know I don't remember"
Or how about this classic last week my attorneys took deposition of State Farm adjuster for cast iron pipe "did you tell the insured that cast iron pipes are not covered because they sent you an email explaining their confusion"
Ron C the adjuster from State Farm stated under oath in deposition "I don't recall"
Now again Mr Insurance Adjuster guy you barking up the wrong tree because all you guys should be in jail for what you do to people.
But I do thank you because if it wasn't for guys like you and the insurance companies you work for I wouldn't have a job. Seriously, I thank you from bottom of my heart. Keep treating people like crap so I can have continued job security.
@@royamura also please watch "do insurance companies lie to you"
ruclips.net/video/PeWrULRzSyM/видео.html
@@theclaimsquadpublicadjusters Typical public adjuster (policyholder and personal injury attorney) messaging. Gotta maintain the bogeyman myth.
NEVER lie to your adjuster. Playing dumb as he suggests is a good way to get a claim denied. If you cant remember when, how it happened, that could make them seriously question that you actually have a claim. Just be honest and accept nothing less from your adjuster.
Lol yes accept nothing less from your lying insurance adjuster out to screw you. Sounds like good advice to me.
Most insurance companies offer $30000
This is silly advice…I would take it with a grain of salt
Says the Insurance Claim Adjuster
This video is raw 🔥🔥🔥🔥🔥🔥
Any prosecutor- please open a criminal probe into this man- he is publicly advising people to commit insurance fraud- he may well have committed a lot himself.
These tactics will get your claim denied if not criminal charges against the person that does it. This man needs the law given to him
Another insurance claim adjuster who is mad that I'm teaching people how to fight back against people like you.
The only thing that gets people's claim denied are scumbag insurance adjusters like you...thanks to you guys our business is flourishing
Video starts @ 0.57
As a current insurance adjuster for a large insurance company don't listen to this guy. In fact Public Adjusters typically try to write for more damages that you have since they get a % of the overall claim, which in return affect your premiums. Id say 9 out of 10 claims are covered anyways but these guys are terrible and aren't allowed to make coverage decisions. Pubic Adjusters are the worst !!!
Lol ok Mr Insurance adjuster
I must thank you for my job security
If it wasn't for insurance adjusters like you I wouldn't have a job and there wouldn't be public adjusters. You live in fantasy world
Lawsuits in Florida 2020= 80,000
Lawsuits in 2021 = 100,000+
Yah you guys pay claims alright lol
You pay so good there are over 100,000 lawsuits in Florida
Next time come with solid facts like I just did not your biased opinion. Insurance adjusters have as much credibility as politicians.
Remember, I represent PEOPLE you represent the multi billion dollar insurance company.
The people have spoken, hence, I'm busier than ever
You despise insurance companies...well I'm pretty sure they despise you as well. In case you didn't know, claims are paid based on the coverages provided in the policy, not what you can negotiate or damages you can fabricate that did not occur from a "covered peril" Seems your video is a step by step guide on how to commit insurance fraud (misrepresentation of the facts etc). Plain and simple, if damages existed BEFORE the occurrence, it will not be covered. You of all people should know that but since your bread and butter is mainly collecting a percentage of the settlement, I can see how you'd lie, cheat and steal to maximize insurance payout for your clients.
Thanks for your reply. Being that you're an adjuster or insurance agent, I'm sure you can appreciate my fight for people just as you fight for the insurance company. As you will see from my other videos, where I give specific examples, time and time again, of adjusters/agents/insurance companies, like where you worked, took advantage of people, lied to people, stole their policy money and denied their legitimate claim(s) and underpaid their claim. If it wasn't for people that worked for insurance companies like you, I would never have this job to fight for people. So I do thank you very much. I really am grateful for insurance companies and the way they treat people because if they treated people fairly I wouldn't have a job.
Happy New Year!!
@@theclaimsquadpublicadjusters You are correct, I'm a commercial property claims adjuster. So I know firsthand what it means to have the "stigma" of untrustworthiness some insureds may have when it comes to settling a claim, for a host of different reasons. But at the end of the day, claims are settled based on factual documentation obtained on property damage (engineers, contractors, etc) and policy language/limits, not assumptions or perceived estimations. You may be right, there may be some carriers out there only concerned about increasing their bottom line and denying claims help them achieve that goal. However, there is a thing called "good faith" which is something I hold sacred in the work I do (speaking for myself). So you can understand my annoyance when I hear someone like yourself speaking about my profession, in general, as some global criminal enterpise only focused on swindling the public. If that were the case, literally all property claims would end up in litigation or in front of a jury. Let's face it, most people have no clue what's in their policy, much less how coverage is applied. It is our responsibility to educate them on what they are paying for and fairly compensate them based on covered damages. If you are such an advocate fighting for the people, you should make that a starting point with your clients, instead of portraying insurance companies as the boogeyman. Knowledge is power. And by the way, I hate denying claims. I try my best to find loopholes (per say) in the policy that give back coverage on losses that would otherwise not be covered. II'm an advocate for both the insured and the insurer. It's a mutual relationship. I don't pick sides. I pick the policy. I will check out your other videos, just so I can be more educated on these unfortunate scenarios and learn from them. Happy New Year to you sir as well.
@@lonniebell59 , I'm shocked he didn't reply to this statement 😑🤣
@@lonniebell59I love this comment.
😂
To all who want to take this advice. Just understand that this RUclipsr is holding himself out as a PUBLIC Adjuster..
And it should be noted that Public adjusters benefit from a percentage of the actual claim. So they have an interest in getting the claim up. As the insured, you may want to analyze how his fee affects what you actually net.
Mr Insurance Adjuster
Yes I am a Public Adjuster as I state on the video
People are thankful for me because I represent them and get their claim paid because awful people and insurance adjusters like you try to screw them by underpaying or denying their claim. If it wasn't for people like you I wouldn't have a job so Thank you
Guys like this creep are the reason we have an insurance crisis in Florida. He is actually suggesting, on video, that you lie to an adjuster when questioned. He specifically said that you should NOT talk about prior damage because the insurance company will deny your claim. Of course they'll deny your claim. It's a fraudulent claim. I'm going to forward this video to the Florida Department of Professional Regulation. My guess is, he'll take it down pretty soon.
Well look what we have here another insurance adjuster worried that his lies and days of screwing people are coming to an end. I look forward to learning your name once you report this. You need to get out of this business and stop screwing homeowners
And by the way - I am NOT condemning ALL Public Adjusters who advocate for insureds for justified claims. I'm sure most of them are honorable people providing a valuable service. I only condemn those who use FRAUDULENT tactics like hiding prior damage from insurance companies to further pad the claim - and increase the public adjuster's commission in so doing.
Look over the critical comments below. In every case, Mike responds by pretending his critics are ALL working for an insurance company. Really? Do you realize that, while HE is paid by commission and earns MORE for getting claims jacked up higher, the insurance company adjusters are NOT paid any extra for denying claims. They are paid either by the hour, or a flat rate per inspection. They would have NO incentive to spend time here arguing against his practices.
@@johnnynick6179 so easy to spot an insurance claim adjuster
No "homeowners" expend this much time and energy on a subject. You're a clown 🤡
You seem to know an awful lot about how public adjusters get paid and the role of a claim adjuster 🤡🤡
Another INSURANCE CLAIM ADJUSTER hiding behind a fake name
BUSTED!!🤡
You play dumb? So you lie? You’re a good representative of PA’s.
Mr Insurance adjuster does it hurt you that you can't screw people any longer?
This is absolutely horrible advice, and most of it isn't true.
What's horrible is the way you insurance claim adjusters underpay or deny claims.
So just lie in a recorded statement and commit fraud? Great advice 😒
I smell another insurance company employee the stench is real
@@theclaimsquadpublicadjusters You must be emitting an odor, because you are incorrect, sir. I just look down upon fraud in general. Plus, why would I be onboard with my insurance company paying crappy or fraudulent claims then passing me the bill via skyrocketing premiums? That doesn’t make me an insurance company hack. It makes me capable of deductive reasoning.
@@courtneysmith6082 LOL Ok. You insurance company people are such lousy liars. Such a freedom fighter for insurance companies, seems like a noble cause. I'm against Scumbag insurance companies like the ones you work for not paying legitimate claims when people pay their premiums. You can have your .00001% fraudulent claims.
I'm after the 98% underpaid & denied legitimate claims by insurance companies.
Mike, Mike, Mike. I hope your damage estimates are more accurate than your fraudulent claims estimate. Actually, it's estimated that about 10% (that's .1, not .00001% or .0000001) of all property-casualty insurance losses and claims are fraudulent. Look it up. ~~Everyone is entitled to his own opinion, but not his own facts. Daniel Patrick Moynihan
@@theclaimsquadpublicadjusters YOU are TELLING PEOPLE to LIE, then accuse me of lying like it’s a bad thing. The irony abounds. Just take a quick moment to think about your thought process here. Your arguments or justifications for your actions are nothing more than personal attacks on others. You have no idea who I am or what I do for a living, yet you have the audacity to call me a liar. You can’t justify your actions by pointing fingers at a bystander. That’s just poor logic. You are obviously bitter by personality or circumstance, or you are simply motivated by money. Either way, fear-mongering and advising fraud isn’t the way to go - and I’ll tell you why. I don’t know you; I have no clue who you are as a person. But, by simply watching this video and reading your comments, I can deduce that you are a severely insecure, unfulfilled, selfish, envious, sad individual. And that’s not what you want, I presume. So take down your offensive content and just start over.
Bozo advice. Your best weapon as the consumer is to understand your policy your deductibles and what your coverage are.