![]() ![]() ![]() Insurance adjusters from other jurisdictions come in to help with the overflow, but they may lack experience, be unfamiliar with how buildings in a particular area are constructed and what to look for following a major disaster, or not understand that estimate pricing can vary significantly from one jurisdiction to another.Ĭatastrophe adjusters have special expertise. There are never enough adjusters to respond to all of the policyholders filing claims. Restoration companies, roofers, water damage mitigation firms, building contractors, engineers and other service providers are equally taxed, working as quickly as possible to bring in additional resources to meet countless requests from residents. Insurance companies scramble to bring in adjusters to inspect and manage the thousands of claims from their policyholders. Police and fire departments attempt to respond to citizens’ needs. Whenever a catastrophe like Sandy, Katrina or Isabel impacts a large area, all resources are strained beyond capacity. The issues, like the answers, are not black and white. Over a period of several months, adjusters, engineers, consumer organizations, attorneys and others were interviewed on how the reports were assigned, how peer reviews are conducted, where problems existed, and who or what was responsible. Upon closer examination, there wasn’t just one entity which made mistakes, mismanaged the situation or exploited opportunities, but multiple factors which exasperated the situation because no one had all of the facts or was prepared for a storm the magnitude of Hurricane Sandy. The reality is there were multiple failures and the blame should be shared by many, not just a few. Media reports highlighted their efforts and some accused insurers and engineers of colluding to under-report the damage. It has been a long and frustrating fight for many. Three years after Hurricane Sandy swept up the East Coast, homeowners are still working to collect money for the damage they sustained. ![]()
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