Thursday, May 18, 2006

Katrina Insurance Victim Fights Back Against Allstate

Back in September 2005 we filed a claim with Allstate that Hurricane Katrina racked our house. Eight months later, they denied that part of the claim based on a fraudulent engineer's report by Haag Engineering Co. that both ignored the most obvious evidence and even claimed that the hurricane wasn't windy enough to cause structural damage. Now it's time to fight back.

First I filed a detailed complaint with James Donelan, the Commissioner of the Louisiana Department of Insurance. I carefully documented in writing and pictures how every part of the the engineer's report was either mistaken or fraudulent, and I also submitted a detailed timeline of our interactions with Allstate. I've been told that we are an incredible example of an insurance company acting in bad faith, though unfortunately, I am realizing that we are just one of thousands of examples.

Second, I've spoken to several attorneys and public adjustors about taking Allstate to court. Also I've contacted several people through this blog. Paige Rosato, an attorney in Mandeville, is one of the people leading the fight against the insurance industry. It seems that our state legislature has been in the pockets of the insurance lobby. So on May 31st I will be going to Baton Rouge to testify to the House on Bill 620. This legislation, put forward by Senator Murray, would increase the penalty if insurance companies don't pay claims in a timely manner. By law insurance companies are supposed to respond to claims within 30 days. As it now stands with Allstate, it would cost about $100,000 to fix the structural damage of my house. Since they denied my claim, I'll have to take them to court. If we won in court, which I'm confident we would, my attorney fees would be approximately 25-35 percent of the settlement. So I would still have to come up with the funds to finish the work. It doesn't sound fair to me, and of course the insurance agency is fighting this and other similar bills ferociously. They claim that it would drive insurers away from Louisiana. The insurance industry had record proffits last year, even with the hurricanes, so to me it seems this is purely greed driven. And the entire country had better be scared about what is happening down here, because if your city floods, burns, or is hit by a tornado or whatever, many of you will have to deal with this corrupt industry.

I would encourage anyone else in a similar situation to come to Baton Rouge that day as well. At the very least, let your state and federal elected leaders know about what is happening to their constituents.

I'm also going to make my case as public as possible to inform people about the fraud taking place down here. So Allstate, I'm down, but not broken, and I've got a score to settle with you.

Later note: I just recorded my story on the Allstate Insurance Sucks website. I also wrote detailed letters to each of the state senators and representatives who serve on Insurance Committees. I'll testify before the House for SB 620 on May 31st.


Blogger Tim said...

Baton Rouge is a bit far from here, but I am following this saga, and praying for you!

3:09 PM  
Blogger Bob At Large said...

Makes me pissed and feeling guilty about worrying about paying for my brand new house with a two-year warranty. I'm sure it's a situation you'd rather be in than to fight an insurance company. I'm spreading the word on this. This is baloney...

11:22 PM  
Anonymous Anonymous said...

Hey Mike,
Way to go...glad to hear that you are taking them to task!
For what it is worth I tell people up here of the situation down there any time I can.

12:39 AM  
Blogger Em said...


I have been talking to friends about your insurance situation. We are all in the same boat, blast it if I can figure out why we don't all act like it, but I know we are.

I'm glad you are fighting back.

9:03 PM  
Anonymous Anonymous said...

I'd like some update? As a contractor who is being asked to first, estimate, then fix these kinds of problems. We are constantly fighting against the insurance companies because they see no damage, pay for no damage. But the home owners still expect me to do magic with nothing. We need help too!


4:55 PM  
Anonymous Anonymous said...

I am amazed at the number of similar cases with AllState and Haag Engineering co. I am in the same situation, having waited for Allstate games for two years. AllState finally hired Haag Engineering company. They came up with bunch of erroneous made up observations. We have had such a difficult time to even get them to talk to us. This has been helpful to pursue my case against them in courts. IF anyone knows of attorneys (in TX preferred) who have had good success against these 2 companies please post your recommendations.

3:02 AM  
Blogger رضا رمضان said...

شركة كشف تسربات المياه بالدمام
شركة كشف تسربات بالدمام
شركة كشف تسربات المياه بالخبر
شركة كشف تسربات المياه بالجبيل
شركة كشف تسربات المياه بالاحساء
شركة كشف تسربات المياه بالقطيف
شركة كشف تسربات بالرياض
شركة كشف تسربات المياه بالرياض
كشف تسربات المياه

3:21 PM  
Blogger RAGAB KAMAL said...

In the name of God the Merciful We in the light of UK companies offer the best services in all cleaning Katenziv in apartments , boards and cabinets and Villas
شركة نور المملكة
شركة تنظيف بمكة
And also we provide insect control for all insects flying and crawling and rat extermination
شركة مكافحة حشرات بجازان
We also offer moving furniture needed by everyone because of the expiration of the lease time or travel service
شركة الصفرات لنقل الاثاث بالرياض
And safety and God's mercy and blessings

5:11 PM  
Blogger RAGAB KAMAL said...

بسم الله الرحمن الرحيم نحن فى شركة الكمال نقوم بكشف التسربات من خلال امببة هواء مزواده بالعداد هواء كما يوجد لدينا جهاز الكترنى يكشف عن طريق التزبزبات
شركة كشف تسربات المياه بالطائف
شركة كشف تسربات بالطائف
شركة كشف تسربات المياه بجازان
شركة كشف تسربات بجازان
شركة كشف تسربات المياه بحائل
شركة كشف تسربات بحائل
والسلامة عليكم ورحمة الله وبركاته

5:13 PM  
Blogger ahmed magic said...

تعد شركتناشركة تنظيف بتبوك
افضل شركة نظافه عامه بتبوك وذلك لمميزاتها المتعددة ومن أهم مميزاتها تحافظ على المنازل وعلى صلاحيتها وجمالها وعدم حدوث اى أضرار له وهذا ما تفعله شركتنا للحفاظ على أشياء العملاء لانهم يهتمون بكل شىء يخص عملائهم كما أن شركتنا تمتلك عمال ذات خبره عاليه فى مجال شركة تنظيف منازل بتبوك التنظيف الشامل من تنظيف منازل وقصور وفلل وبيوت كما لديهم عمال مدربين يقدمون لحضراتكم أفضل تنظيف وكل هذا واكثر سوف تجدونه فى شركة نظافة عامة بتبوك فهذة الشركة لديها متخصصين أصحاب خبره كبيرة ولديهم عمال محترفين ومدربين على هذا المجال وأيضا نقوم بعمل تنظيف للانتريهات والآثاث والرخام والزجاج والمراتب والستائر والحمامات التى يجب تنظيفها بشكل دائم شركة تنظيف خزانات بتبوك وغسيل الأرضيات مهما كانت صعوبة الأرضيات وبمختلف انواعها من السيراميك او الرخام وغيرها والأسقف والحوائط وأن الكثير من أعمال النظافة تقولم بها وخدمات شاملة كما أن شركتنا تستخدم أحدث المعدات والأدوات الخاصه بالنظافة أدوات فعاله ومن أفضل الأدوات الحديثة والمتطورة المتواجدة فى الاسواق وايضا تمتلك شركتنا قسم لتنظيف الزجاج والأرضيات والرخام ومن اجل كل هذه الخدمات فاننا نعتبر شركة مكافحة حشرات بتبوك من احسن الشركات التى تعمل فى مجال التنظيف واننا نعمل من اجل ارضاء عملائنا الكرام فشركتنا الاولى بالمملكة وانتظروا المزيد عندما تتعاملون معنا شركة تنظيف بتبوك شركة نظافة عامة بالخبر نظافة فلل وشقق وقصور توضح لنا ان شركة تنظيف منازل بتبوك الشعور بالتميز والانفراد أمرا بالغ الأهمية هل فكرت يوما أن تتعامل مع أفضل شركة نظافة فلل وقصور تقوم باحداث عملية تغيير شامل للمكان الذى تعيش فيه مع اضفاء شركة تنظيف خزانات بتبوك جمال يختلف عن أى مكان أخر مع شركة نظافه فلل لدينا كافة الامكانيات والأدوات شركة تنظيف مسابح بالرياض
التى تستخدمها لجعلك أنت الأفضل والأرقى فمع الانشغال بالحياة اليومية يمكنك أن تترك نظافه الفيلا الخاصة بك لدى شركتنا التى سوف تشعرك بالسعادة والراحة الداخلية نظرا لاضفاء شركة مكافحة حشرات بتبوك اللمسة الجمالية على المكان الذى تعيش فيه قسم خاص للنظافه العامه نظافة فلل شقق قصور ونظافة خزانات بيوت الشعر مجالس موكيت وجهات زجاجية او رخام جلى بلاط رخام تلميع سيراميك كشف تسربات المياه عمل جميع العوازل خزانات اسطح نظافة مطابخ حمامات دريش نظافة خزان وشكراا

6:25 PM  

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