The Down Range Forum
Member Section => Down Range Cafe => Topic started by: TAB on November 28, 2016, 08:13:35 PM
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I am certified for a few different insurance companys to do claim work and as a consultant for appraisals.
anyways today I met an adjuster to look at a kitchen fire that happened on thanksgiving. the story they had was that the fire started with the turkey.
new kitchen, every thing "soft" being replaced, complete repaint... yadda yadda.
So, me wanting to see the completely burnt turkey, I go to open the oven... the cleaning lock is on. these move by servo motor. (never seen one fail and lock, unlock yes, but never lock) Well ok maybe some one hit the cleaning cycle and did not relize it. then I think, no that can't be it would have smoked for a long time before it caught fire.
"what other claims were made"
"none, luckly the cars were in the drive way"
so I go check the garage, and sure enough room for 2 cars. now it was in the 20s on thanksgiving and snowing. no one would park both out side. I go back out to the truck and get a hammer, smash the glass door.
what did I find, a metal ladle stuck inbetween the door and the seal, which would let air in = fire. I stop
" you better call the fire marshal, this is arson."
"huh, no way"
"jewish lighting struck here"
" you mean fraud?"
"I would bet $10000 on it"
you know, I think I should have just took the job and kept my mouth shut, I know damn well this is going to be one hell of a head ache, spent 3 hours talking to the firemarshal/ PD.
2 things I hate the most a liar and a theif... insurance fraud is both at once. Damn it sucks to be too honest.
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Good catch Tab. I think most if not all of us here are "too honest" for our own good.
I think it speaks volumes about your basic character. I hate high insurance costs and there is a lot of fraud driving the cost so good on you.
Jewish lightning. Never heard that one before.....
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Two old men are sitting on a bench in their fancy retirement community in Florida. Sol asks Ben "What did you do before you retired?" Ben answers, "I started with a men's clothing shop and built the business into the finest department store in town. One day there was a fire and it destroyed everything. Since I was too old to begin again, I took the insurance money and retired - and here I am."
Then Ben asks Sol "So, what did you do before you were here?" Sol replies, "I had a hardware store downtown. It was the finest hardware store in the city. One Friday evening after closing time it started raining. The rain continued for the entire weekend, and the store flooded. On Monday morning I came in to discover that my entire inventory had been ruined. Like you, I was too old to start again, so I took the insurance money and retired down here to Florida."
Ben, looking impressed, asks Sol "So tell me, how do you start a flood?"
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Long ago, the club where I met my wife had a 1000 gallon fish tank with some very exotic and pricey fish within...
One nite at dinner with a buddy of mine, we noticed that tank had been emptied, didn't think much of it the time. A few days passed and we stopped in for a shot or two and noted that the tank was back filled with koi, a much less costly fresh water fish.
That weekend the place burned to the ground!
Coinkydink?
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Good catch Tab. I think most if not all of us here are "too honest" for our own good.
I think it speaks volumes about your basic character. I hate high insurance costs and there is a lot of fraud driving the cost so good on you.
Jewish lightning. Never heard that one before.....
I have heard numbers between 17-23% increase in costs due yo fruad. 90% of the claims are from 10% of the insured. That holds true from everything from car, to malpractice. Its intresting that industry wide the 90/10 rule is tge same.
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A little update... I get to be a witness in the morning. ;D
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Unbelievable what people will do for money. Does anyone pull the old wedding ring down the shower drain trick anymore?
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What is the wedding ring trick?
I'm just naive I guess....
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What is the wedding ring trick?
I'm just naive I guess....
Women claim to have lost their wedding or engagement rings down the shower drain. Or else come up with some other lame excuse to file an insurance claim to get money. All the while they never lost it.
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I wanted to be certain....
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The problem is we all end up paying for it. It's no different with all of these law suits against hospitals and doctors. Health care costs would plummet if we had tort reform preventing these, "fishing expedition" type of law suits.
I have nothing against people receiving funds over a legitimate insurance claim, or law suit where they were honestly wronged. But that is rarely the case these days. When my mother was alive, she had a co worker who was widowed, and without much money. Her garage was in such bad shape it needed demolition, and to be rebuilt. She went so far as to purchase a new lawn mower. (A cheap one on sale). Then proceeded to burn the garage down in order to get a new one built with the insurance money. (She blamed the fire on a fuel leak she said the mower had). Like TAB's fraudsters, she conveniently parked her can on the street in front of the house, so it wouldn't be damaged.
She ended up with a brand new garage less than 6 months later. Her lawn was so small, you could mow it with a cupful of fuel in 5 minutes. Yet she had a new 5 gallon plastic gas can filled to the top. Sitting on the floor, right next to the mower. Enough gas to last her 5 Summers. It didn't matter, she got what she was after.
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78 months