There was a previous thread on here that talked about
insurance companies that refused to pay for clean-outs.

I am looking for that thread or any information as to what insurance companies will or will not cover, and the name
or names of any insurance companies that will not cover
clean-outs?

Thanks for all the help!!

pick65

Here are a couple of threads on the subject.
http://www.trapperman.com/forum/ubbthrea...tml#Post3059596
http://www.trapperman.com/forum/ubbthrea...tml#Post2921802

PM Mike Flick

Your documentation must address the need using the correct language. State insurance laws actually affect what a insurance company is responsible for from state to state.

Listen to Mike Flick discuss this here.

I would read the links Robb and Ron gave you and I would never do anything until the insurance company gave you the go ahead in writing. They will negotiate with you and finally come to an agreement or you may walk away. They can be difficult and want to pay less but if you do it first your stuck.A lot of home owners only want it done if the insurance pays. A signed contract is a must or at least an agreement on price and what is to be done in writing.
It's not fun so I wouldn't do it unless they paid well.

Or better yet, get paid by the customer and let them fight it out with the insurance company...

Nick's right and the customer gets the check to pay you. I just watched a company go out of business for doing all the work before the customer ever paid them. $62K poof and all the money gone. After a costly legal battle they had to settle out of court on a mechanics lien if and when the property ever is sold and transferred. You have to watch out for some of them nice old ladies some of them are really professional scammers.

There are several strategies if the need is really there. If your customer does not like the answer from their insurance company claims center they can hire a private insurance adjuster and file a complaint with their states Office of Insurance regulation.

Another big mistake is talking to a totally uninformed insurance agent who has no clue nor experience in any animal damage insurance claims. Your customer will hear all kinds of poor advice from their favorite misinformed insurance agent.

One of the terms that need to be expressed when making a claim to a insurance company is "Relatively Resent Occurrence" . Many times a customer may not get something paid if neglect is shown such as years of bats in home and nothing done about it. Some of the terminology and advice can be found on WpN Attic Restoration Site.

Dealing With Insurance Claims
http://www.podfeed.net/episode/Dealing+With+Insurance+Claims-/2305678 http://atticrestoration-usa.com/podcasts/

Other useful advice is available in audio on these two links.

http://raccoonremoval.us/podcasts/insurance-claim-help/

Happens all the time, insurance co says they will cover it. I get the green light, I get a check from the customer since a check to them is "in the mail" only to find out after a few weeks that oh yeah its not covered. I still get paid (because I was smart and collected up front) and they can make the hours on end worth of phone calls to get things right. Besides I don't want to be the one responsible for telling the insuance company something wrongly. I have had an insurance co at the same office/branch location, same agent, same bat issues cover one and deny another. Maybe it was due to coverage but man, they are not consistant as I see it.

Just got off the phone with a customer who wants bats removed. I dropped off the contract and got everything signed a couple weeks ago. Insurance sent them a check for $238. Now they are fighting the insurance to get them to cover more than just the deodorizing.

Luckily for them they have some time to get something done. Stopped removing bats as of May 15th until mid August.

Okay people, this is very important. We need to know exactly which companies are not going to pay for clean-outs! This is SUPER IMPORTANT TO ALL OF US!

I may have mentioned this before, I do not know. The twisters and typhoons in the southern states have cost insurance companies billions of dollars. Home insurance is the only loser of all the different insurance policies. We will all be paying a lot higher premiums to protect our largest asset, our homes, in the next ten years.

We still need to able to tap those insurance companies for our work. If you know of companies that say they will pay and then will threaten their customers with a court case, please let everybody know. Solid insurance companies love to buy out iffy companies just for their customer list!

P.S. Those of us that live pretty much out of the typhoon, hurricane, and twister belt, may be insuring our homes with local companies in the future.