Personal Problems




  Personal Problems  

I get quite a few calls and emails asking for help with industry problems, like "How should I handle this appraiser?" or "The insurance company won't pay me a mark up on a sublet bill. What can I do?" From now on I'll post the questions and my answers here. If I don't know the answer I'll find someone who does. You will remain anonymous. I'll just print your first name. Click here to send me a question.


Dear John,

First I would like to say that I am a loyal reader of your column and an envious fan!!

My problem I am having is that I can't get State Farm to pay for (feather/prime/block). And a few other insurance companies. What I cant get over is the fact that State Farm honcho George Avery's name is all over the CIC articles and adopted definitions that plainly state what items is included and what is not. Everytime I put these charges on a supplement, I get the same old responses, "WE DONT PAY FOR THAT", "THATS INCLUDED IN THE REPAIR TIME'', or, "I HAVE NEVER HEARD OF THAT". So I recently called our areas estimatics managers office and got the 2nd in command. His response was, "Yes, I am aware of this issue. But, at this time we dont pay for that, It has always been included in the repair time and that is my stand". Once I brought up George Averys name on the articles and definitions in question, he became angry and once again stated " Those operations (feather/prime/block)are included in the repair time!" Any input you can give me I would surely appreciate.


Hi Debbie.

You have a case of the left hand not knowing what the right hand is doing. A very common problem in the corporate world. You need to move up the food chain. The area manager probably knows nothing of this subject. Find out who his manager is and talk with that person. Eventually you will get someone who knows about State Farm's involvement with this issue. Keep at them. Threaten to make their insured pay the difference, and if they call your bluff, make their insured pay the difference. State Farm will hear about it from their insured, and they may think twice about nickle and diming you on the next claim.

Do you have any of those articles written by Avery? This is exactly the type of thing I like to write about. If you can get me some information we can raise a little hell with a few insurance people. If you can get me anything related to this with Avery's name on it, the appraiser's name and the area manager's name, we can have some fun. State Farm employees spend a lot of time on this website, so it won't go unnoticed.