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Insurance company is screwing me - get back at them blackhat style?

Discussion in 'BlackHat Lounge' started by non-prophet, Jan 11, 2011.

  1. non-prophet

    non-prophet Regular Member

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    My insurance company is screwing me and I'd like to get back at them blackhat style. I would appreciate any help or ideas. Insurance ads are pretty well paying, so maybe this could be mutually beneficial.

    What happened:

    I had a flood in my newly purchased house that destroyed my finished basement and some of it's contents.

    I agreed to let the insurance company's damage remediation company fix the basement. In repairing the walls and whatnot, they damaged all the music gear and electronics down there in the process. The insurance company is now refusing to compensate me for any of my stuff as it's not "claim related" including the items that were directly involved in the water damage (which was sewage, by the way). I even have pictures of guitar amps and other such things sitting in the water.

    This isn't a couple of guitars that American Airlines broke, this is $15,000+ worth of pro-audio gear, most of which was directly damaged by negligence.

    Any ideas would be great.

    I can write my story in a million articles and supply some pictures to back them up. I can also supply recordings or transcriptions of phones calls with the adjuster, the contractor, and the idiotic "electronics specialist" they tried to send my stuff to.

    This is a lot of good unique content that I am offering up for free. All i ask is that my story get told, preferably in a way that puts pressure on these fools.

    I have extensive design experience, would be happy to throw that into the mix.

    Come on BHW - all ideas will be helpful
     
  2. angelas111

    angelas111 Jr. VIP Jr. VIP Premium Member

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    how exactly did the contractor damage the stuff?
     
  3. Chronos

    Chronos Junior Member

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    bbb.org and report.

    And yeah, I'd keep on reporting as long as what you say is true. If it's not, then you can get in trouble.

    Go for it, but I wouldn't dwell on it TOO much. I'd just harrass your insurance company every few days for a couple months! :)
     
  4. non-prophet

    non-prophet Regular Member

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    Let me count the ways.

    We are talking high end gear. There was only about a half inch of water in most of the flooded areas. The insurance company advised me to leave everything alone where it is. The remediation company (contractor) came in an cleaned. They stacked everything in a corner, whether it was touched by sewage or not (first error). In the process they pushed in tweeters on expensive speakers and whatnot. They put guitars back in cases that had been inundated by sewage.

    Then they didn't bother covering anything with plastic to protect it from dust while they removed the drywall. Now pretty well anything with a knob or slider on it doesn't work - among other things.

    I complained about this and they sent all of this stuff to an "electronics specialist" who wrote a report that everything had been "cleaned and restored" and any further damage was unrelated to the claim.

    When i received all these items back, i carefully filmed myself opening each one from the plastic wrap it came in to find that it was worse then when it left my house.

    Guitars came back with mold and other unknown substances on them. Speakers had been damaged further in cleaning. And anything complicated, such as my mixing board was left untouched for me to figure out what's wrong with it.

    I questioned the electronics guy vigorously and he explained that the insurance company only allows him to put a certain amount of hours (as they pay the bill) into my items before he has to move on to other claims. I don't know if he was covering his ass or theirs.

    He then refused to supply me with any details about how and with what any of these items were serviced.

    I can get more specific with the damage if you guys like.
     
  5. angelas111

    angelas111 Jr. VIP Jr. VIP Premium Member

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    well, this would be a case against the contractor and not the insurance company. you could sue them if they are legit which i imagine they are since they were chosen by the insurance company and their liability bond would pay out. but you need to have some good proof.

    did you consult with an atty?
     
  6. non-prophet

    non-prophet Regular Member

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    Along with this, i had a Bang and Olufsen stereo which had obvious water damage, and even dried sewage on the the speaker grill. They acknowledged the damage, but went on to explain that it is likely unrelated to the claim itself, with no supporting evidence.

    I just want my story told, and I want to make sure that when any future clientele google this company, this adjuster, this electronics firm, etc, they get a stern warning to steer clear.

    I haven't signed to close out on the claim yet, and i would like to apply some "public pressure".

    Realistically, i was planning to start preparing a senuke campaign and some other basic press release type stuff to tell my story, then take the most prominent links and email them to the head of the department.

    Any other ideas would be great.


    Remember, there are two goals for me here.

    1) to get my stuff fixed/replaced properly
    2) to warn other people.
     
  7. FrozenSpade

    FrozenSpade Power Member

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    best way is to get a lawyer. ask him. really...
     
  8. non-prophet

    non-prophet Regular Member

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    This is a good point... i will pursue it with a lawyer if need be. Lawyers are expensive, i want provide some incentive for them or the insurer to settle when i file a small claims suit (which in my province, can be up to 25,000).
     
  9. non-prophet

    non-prophet Regular Member

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    Anyways, if you guys have any other potential pressure tactics using some twists on some methods on this site, i'm all ears...
     
  10. xboxps3wow

    xboxps3wow Power Member

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    Why didn't you remove the stuff from your basement when people came to remodel? They are there to fix the drywall, not take care of your electronics.
     
  11. -Jericho-

    -Jericho- Jr. Executive VIP Jr. VIP Premium Member

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    You need to start filing complaints with licensing boards and any other regulatory bodies. I don't know how it is up in Canada but there are people that usually oversee contractors and insurance companies. Start calling them up and ask them how to file a complaint and what you should do about getting them to fix it.

    In Florida we have people called public adjusters and they go through and fight for payment for the people filing the claims. Maybe they have something like that there. I had never even heard of these types of companies till I moved to Florida so it may just be a local thing here.
     
  12. webmast

    webmast Regular Member

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    Write a long comment in spin format, make sure it's keyword rich and blast it over the entire Internet with Scrapebox.
    Use the "name" field as title and spin that too. They will have a very hard time contacting 100k site owners to remove that sh*t :D
     
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  13. non-prophet

    non-prophet Regular Member

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    It was the adjustor's instructions.

    They have a cleaning crew, and a contractor that they employ, and they specifically said to leave everything alone and they would take care of it.

    I have never made a home insurance claim, and I wasn't in a position to quickly check the internet to learn about what's involved and how to protect myself.

    In hind-sight, i should have checked everything they said every step of the way... but it's too late now.
     
  14. BassTrackerBoats

    BassTrackerBoats Moderator Staff Member Moderator Jr. VIP

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    Ripoffreport.com ranks really well... especially if you backlink to it.

    Just saying.
     
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  15. angelas111

    angelas111 Jr. VIP Jr. VIP Premium Member

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    well, how "big" is the contractor? i got screwed by a contractor this summer and i handled things differently (down and dirty) but i was in a different position. i repoe'd his car, kept some tools that were rented so he still had to pay the rental company, and i may not be done yet.
     
  16. non-prophet

    non-prophet Regular Member

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    Ya, i plan to do this as well, but there's a million associations that claim to oversee each part of this type of claim. I called and left messages to most of them already, waiting to hear back.
     
  17. non-prophet

    non-prophet Regular Member

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    I was considering some things like this... i can't exactly repo a car - in Canada, it's called theft if a court doesn't do it.

    I had some other dirty tactics lined up, but I thought i would save them as a last resort and even then, only when i have nothing to lose.
     
  18. lawton

    lawton Jr. VIP Jr. VIP Premium Member

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    I'm a licensed Insurance Adjuster and if you really want to get something done with the Insurance companies part you need to find out who your state's Insurance Commissioner is and tell the insurance company if this isn't resolved, you are prepared to elevate it to the Insurance Commissioner. DO NOT sign the claim release or you will get nothing.
    As far as the Construction companies damage, you need to get a lawyer and submit a claim to their insurance. You will get paid but you have to keep pushing, that is why these contractors have insurance. Most of the time (in my experience) the contractor is not wanting to go to court. Also as someone else in the thread stated, you need to file a report with the BBB, once it is on file they will have to resolve it with you in order to get it off of the BBB page. Hope this helps and if you keep at it you'll get what you are owed.
     
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  19. non-prophet

    non-prophet Regular Member

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    It will be very difficult to separate out what was damaged by the contractor from what was damaged in the claim for a lot of this stuff... do you have any advice as to how to do this?

    Everything was stacked in the same corner... also, do i have to separate what was damaged by the contractor from what was damaged by the primary clean up crew (who basically mopped up, disinfected and set up dehumidifiers and whatnot)?
     
  20. Kickflip

    Kickflip BANNED BANNED

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    Find a lawyer who works on Contingency. Some lawyers love insurance companies, some wont touch them. Insurance companies always settle when they hear you have a lawyer.

    Insurance companies just have a playbook that they have to go on. It isn't anything personal against you, it is just business. They have dollar amounts which tell them: ignore the client, negotiate with client directly, offer settlement instantly.

    Have you signed any settlement already based on their offer to repair the basement and your equipment? I have a feeling you did, in which case, even if they WANTED to reimburse you, they can't.

    Remember, it is just business. They don't feel good about what happened, but if you already signed an agreement, they can't go above that.

    The only thing you can do that would make a difference is to contact your local newspapers and see if they will let you submit a little article. Blackhat article marketing wont screw them.
     
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