What is the name of your state (only U.S. law)? KY
I work as a catastrophe field adjuster.
I am perplexed as to the law (?) regarding advances. I believe them to be carrier specific. The company I have been adjusting for, during orientation, talked about advance request forms, how to determine need (read: how bad off is this person) and what typical protocol is, overall.
Situation: claimant's power was out due to catastrophe and lost (itemized) more than $800 in food in frig and freezer. Had to pay to have meter box replaced. (Out of pocket but necessary expense billable with her policy.) Had to pay to get trees removed. (Covered expense with policy limits of $500 per tree/$1,000 max per incident.) She is now broke, understandable after reviewing receipts.
I have (as her adjuster) attempted to get her an "advance" for more than 2 weeks to no avail.
What is the law for this, time frame for this and reasonable expectations?
Is there a law?
If there is a law is it State or Federal? Sure seems there should be something for catastrophes. Expensive to carrier yes, but still something?
Is there any state or federal guidelines regarding 'advances"?
Besides talking with her agent that sold her the policy and my field supervisor, how can we get this poor woman help???
I work as a catastrophe field adjuster.
I am perplexed as to the law (?) regarding advances. I believe them to be carrier specific. The company I have been adjusting for, during orientation, talked about advance request forms, how to determine need (read: how bad off is this person) and what typical protocol is, overall.
Situation: claimant's power was out due to catastrophe and lost (itemized) more than $800 in food in frig and freezer. Had to pay to have meter box replaced. (Out of pocket but necessary expense billable with her policy.) Had to pay to get trees removed. (Covered expense with policy limits of $500 per tree/$1,000 max per incident.) She is now broke, understandable after reviewing receipts.
I have (as her adjuster) attempted to get her an "advance" for more than 2 weeks to no avail.
What is the law for this, time frame for this and reasonable expectations?
Is there a law?
If there is a law is it State or Federal? Sure seems there should be something for catastrophes. Expensive to carrier yes, but still something?
Is there any state or federal guidelines regarding 'advances"?
Besides talking with her agent that sold her the policy and my field supervisor, how can we get this poor woman help???
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