4th Case Report of PA Jae Park (PART 2)

【4th Case Report of PA Jae Park (PART 1)】

However, the insurance company completely ignored the continued requests of Mr. P. Eventually, Mr. P thought the insurance company was planning to remove him from its list of clients by rejecting the payment of claim, and he became enraged.

After this, until June when this PA got involved in this case, the couple was forced to live uncomfortably with a newborn son. As soon as this PA was commissioned to this case, the PA found the following problems through a site visit and related inspection:

1. It appeared that the flood started when one of the tiles in the roof came off due to external influence (wind), allowing water to flow down.

2. According to the denial notice of the compensation payment by the insurance company, it said the flood occurred due to rain on January 1. However, based on the weather data this PA checked, there was no rain in the area that day, but on December 13 of the previous year there was heavy rain and strong wind. It seemed that one of roof tiles came off that day.

3. The insurance company indicated that the faulty workmanship of the new construction was the cause. However, how was it possible for Mr. P to live in a poorly constructed house without the construction inspection and occupancy permit from the city’s building inspector?

4. This last point was the most important thing this PA checked. The staff claim adjuster from the insurance company , who was in charge of this case, never visited the site but determined the denial of compensation according to the report of a roofer he had sent.

According to the indications of this PA as mentioned above, the manager of the compensation unit, who reviewed the claim adjustment process handled by the responsible staff claim adjuster, responded to this PA immediately. The insurance company, which had consistently maintained a high-handed attitude, was aware of the seriousness of the situation and finally changed its attitude. This was the moment at which the powerful adjustment authority granted to the PA by the state for insurance policy holders was brought to light. Following an adjustment process of approximately two months, Mr. P couple received the compensation of $45,000 and the case was concluded.

Eventually, they received the compensation, but it wouldn't be possible to fully describe all that they went through. I really hope our readers will not suffer from the tremendous hardship because of similar case such as this.

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Jae Park, AIC
Public Insurance Adjuster
Ex- Insurance Carrier's large & complex property loss claim adjuster
IICRC/Clean Trust- WRT, AMRT, FSRT
Jae Park & Associates, Inc.
3255 Wilshire Blvd Suite # 1414
Los Angeles, CA 90010
Business Cell # 213-572-7379
Fax# 877-277-9752
E-mail: jae.park.assc@gmail.com
Website: www.Jpadjusters.com