Jake's complaint:
March 04, 2012

Insurance Company: AIG
Coverage Type: Homeowners Insurance

• PolicyHolder Service - Delays/No Response
• Claim Handling - Delays upon Delays
• Claim Handling - Unsatisfactory Settlement/Offer

had storm damage to roof and interior sheet rock in my moms estate house. called and was told a adjuster would contact me in 24 hr. adjuster trish w. told me a inspector would contact me within 48 hrs. the house is for sale and in escrow. getting the house repaired and secured from further damage is very important. a window of clear weather is present and the house being on the ocean front, exposed to very strong winds and rain needs to be repairted as soon as possible. when the wind is strong enough to tear up shingles on the roof it is next to imposible to secure the house from further damage with a temporary tarp.

insurance companys just delay and welch on thier agreements with loopholes. this time of year is the time to sell houses and it is not practicle to wait for insurance run around. im not sure that the adjuster is even in the united states. im not waiting for the inspector and for more dammage. just the cieling sheetrock is dammaged now. waiting for a inspector would allow the water to dammage the walls and floor and carpet.

On October 4, 2008, I noticed the ceiling of one closet in my house collapsed. I contacted my insurance company (AIG) and explain the situation to them. They told me they did not have an adjustor at this time to evaluate the situation, and I can hire a contractor and get an estimate then send it to them. On October 19, 2008, a contractor arrived and evaluated the damages. He said the damages were due to the storm, and estimated the total cost of repairing the damages to be $8150.

I sent the estimate to AIG claims Associate Mrs. K. Major. She also asked me to send the pictures of damaged areas to house. After several conversations with her, more than a month past by and my house has continued to deteriorate. The situation is a health hazard to me and my family because of moisture from the rain has penetrated all the building material in the closet and the house. She told me that she needed to contact the contractor. She was phone tagging with the contractor and I was waiting patiently for the damages to my house to be fixed.

On November 14, 2008, I called Mrs. Major several times and left a message for her to call me back. Finally on November 19, 2008, she called me and her conversation with me was very unprofessional. I request to send an adjustor to evaluate the situation and she refused to do so. I asked her to give me a name and phone number of her supervisor. She gave me a name, M. Potrusky, and said the supervisor is not available and the phone number could not be given out.

After a month and half of struggling with this insurance company, and calling Mr. K. Major several times a day, finally she called me back on November 19, 2008, and said AIG can only pay $1500 for the damages to my house, instead of the estimated amount of $8150. My house and my two (2) cars have been insured by AIG for several years and during these years I have never had any claim with them. This is the first time that an accident has happened and I was treated very badly by AIG insurance claims associate.

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