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The Marring Protocol and Other Unfair Methods of Overpaying Policyholders in Florida Property Insurance Law Insurance Blog



Florida policyholders are systematically ripped off as senior claims managers instruct field adjusters to underpay claims through various methods that are not fair.

An example is from an independent adjustment company, Siebles, with a damage directive for field adjusters. This directive on wind and hail losses states that St. John & # 39 ;s Insurance has a trial protocol that Siebles adjusters must follow when considering wind and hail claims:

On hail-reported losses, we must ensure the trial protocol is pursued. Note the following considerations:

· No internal damage is noted.

· No wind damage noted.

· External screen damage questioning.

· Grooves on downspouts and window frames appear to be from installation or defects in the materials.

· Damage to the roof appears to be minimal and does not appear to affect the overall integrity of the roof.

· Heavy granulate loss noted (aging / wear) impact is difficult to discern.

If claims meet the above criteria, they may qualify for the SJIC Marring Protocol.

A Marring Protocol? I wonder if St. John & # 39 ;s Insurance Company shares this with their customers, so they understand how their claims are handled. The Damages Directive seems to strictly limit the powers of adjusters who are responsible for adjusting the loss. fair service is completely contrary to many claims directives which limit and delay the amount paid for claims. to be a jackass caught in a hailstorm. You just have to stand there and take it.
—Lyndon B. Johnson


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