AAA Public Adjusters

Jun Dear [redacted] ***: [redacted] verbiage is incorrectAfter interviewing her condo manger and previous tenant, we found that the condo did receive the 8,insurance proceedsShe just never bothered to follow the condos rules to obtain the funds because she is attempting to sell her condo as is and divert the funds for other useShe is incorrect about our meeting with the [redacted] adjusterWe did meet with the [redacted] adjuster shortly after her claim.Furthermore, she has attempted and still is attempting not to pay companies that performed work in her condoShe is the one that ultimately hired [redacted] Restoration to do the work in her condoShe has not paid his full mitigation bill including the debris removal from her condoA copy of the bill that [redacted] submitted is enclosed hereinAs you can see he billed 6,She only paid 2,Does she have any complaints about that?Additionally, we have tried to contact [redacted] at least a dozen times by telephone with no responseIf she would contact us directly, we can help resolve her issues.In closing, I would like to say if [redacted] continues on the path she is going, we will be forced to take legal action against her.If there are any further questions, please do not hesitate to contact me.Very truly yours,

Complaint: [redacted] I am rejecting this response because I want to see the check invoice that was sent by [redacted] to PA just like the first invoice and FINAL invoice sent YES, it is my belief PA WAS and IS not entitled to the depreciation funds They were and are alloted to [redacted] company for completing the job Also, I like to know when is the contract considered final??? I thought the contract was FINAL when they sent me the FIRST funds from the payment they received ONCE AGAIN, they PA did not indicated, nor when I SPOKE to Mark that they were expecting proceeds from the depreciation Therefore, I've sent back the check, because IT IS NOT mines to accept They need to send the full $1,to Paul Davis Regards, [redacted]

November 30, 2015Dear [redacted] ***:This letter is in response to [redacted] 's complaint dated August 22, [redacted] 's assertions are factually incorrect, without merit, and self-servingShe was not taken advantaged of as she outlined in her complaint to youWe are still working on her claim in a professional manner, but she is constantly putting up roadblocks to bring this claim to a successful conclusion.As evidenced by the contract she signed with our firm [redacted] acknowledged by her signature on it that she received a copy of itI actually handed her a copy of the contract while sitting on her sofa with her and fully explained it to herShe also received one other copy of the contract on another occasionShe was also fully aware that she was remunerating AAA Public Adjusters a 30% contingent fee for their services and she never once inquired about canceling the contract[redacted] 's assertion that we were inflating prices is ridiculousWe prepared an extensive scope of loss without pricing for the [redacted] adjusterThis was the only document that he followed to prepare his estimate of loss when we met at [redacted] 's homeOnce I received the estimate of loss from the insurance company, I reviewed it and sent an objection letter to the inside claim examiner to review my concerns with his adjuster's estimate of lossThe inside claims examiner never responded to my letter even after several attempts by email and phone to do so.To make matters even more convoluted, [redacted] fired [redacted] , the initial contractor on? the jobHe provided me his invoice and claims that [redacted] owes him a $7,balanceI have asked [redacted] on several occasions to give me her new contractors invoice so I can attempt to recover the $19,recoverable depreciationTo date, she has not done soThus, I recommended exercising the Appraisal condition of the policy to try to bring this claim to a resolutionShe declined moving forward with the Appraisal processAfter her refusal of exercising the Appraisal condition, I again asked her for her new contractor's invoice, but she still has not supplied it to meShe is wasting time by not providing me the proper documentation to assert a claim for the recoverable depreciation portion of the claim.Contrary to [redacted] 's belief, we did monitor the work of the mitigation company and expose the damaged areas to the mitigation technicianIt involved more than just putting holes in the walls as she assertsIf she paid attention at the time I scoped out the loss, she would have seen that along with scoping out the loss, I did extensive moisture meter readings to provide to the mitigation company to perform the necessary work in her homeI was also present on the day that the mitigation company started the work and did a walk through with the technician pointing out the affected areasFurthermore, I inspected the final work that the mitigation company completed and found it to be of excellent qualityAdditionally, it is not the job of a public adjuster to monitor the work of the mitigation company on a daily basis.Ultimately, [redacted] hired [redacted] Let me point out that [redacted] invoiced $19,for the work they performed in [redacted] 's homeShe only paid $10,that the [redacted] allotted for in their estimate of lossThis was because of my agreement with [redacted] that they would accept whatever the [redacted] allotted in their estimate.If there are any further questions, please do not hesitate to contact me.Very truly yours,Aaron L

May 21, Dear [redacted] ***, First, let me clearly demonstrate [redacted] improper and excessive commissions which he took for himself in violation of our contractThere are two sources of insurance: [redacted] , which is my insurance companyThe second is [redacted] Insurance Company which is the condominiums insurance company for [redacted] Condominium.Check 1- [redacted] (paid and sent to [redacted] ***) 5,277.36Check 2- [redacted] (paid and sent to [redacted] ***) 2,358.00Anticipated payment from ***- never paid $ 8,443.9616,079.32According to our contract, any commission for [redacted] can only be taken by him from insurance company checks or payments actually made from an insurance carrier(Document 1- Contract)The ***Condo insurance coverage has not been paid[redacted] improperly took his commission from the total 16,at 25% which amounted to 4,He included the unpaid ***- Condo loss payment in his commission [redacted] did not secure payment of the claim by ***Instead, he instructed me to obtain it(Document - email from [redacted] to me, dated 129/2014.) As such, he abandoned the claim.Instead, he should have only taken a commission on the already paid 5,277.362,7,A quarter of this sum (25%) amounts to 1,which should be his commission.The main basis for my Revdex.com complaint is simply: [redacted] took an inappropriate and excessive amount of 2,which is the difference between 4,and 1,By taking money that wasn't his, [redacted] has caused me undue financial hardship.I am asking the Revdex.com to negotiate a settlement whereby [redacted] sends me the 2,110.99I reject [redacted] responses to the Revdex.com because they contain many factual inaccuraciesHe has not offered any solutions to the problems and issues raised in my initial complaint to the Revdex.com.In [redacted] letter to MsVernette Butts of the Revdex.com (5/12/14), he writes regarding [redacted] Restoration:• She retained him on her own.” False [redacted] retained [redacted] Restoration.Additonally, [redacted] in his response to MsVernette Butts (5/12/14), makes reference to his letter addressed to my possible prospective lawyer, [redacted] " on 3/16/I enclose the initial letter sent by [redacted] to [redacted] (Document ) which [redacted] actually responded toI rebut his assertions made by [redacted] in his correspondence to [redacted] which he presents as his reply to the Revdex.com• Furthermore, we met with the ***s adjuster and obtained a settlement with them as reflected in my distribution of loss." False [redacted] never met with the [redacted] adjuster.• The proceeds from [redacted] have been forwarded to the condos management company" FalseAs emphasized above, the [redacted] anticipated loss payment has not been paid.• As I stated to [redacted] several times, she has to do the work, as outlined in the ***s estimate of loss, to receive the funds from the management company.” If [redacted] never met with the [redacted] adjuster and requires that I do the work to receive the funds, then [redacted] should not be entitled to 25% of this unpaid amount of 8,443.96.• We prepared an estimate of loss for the [redacted] adjuster and met with the [redacted] adjuster at her condo unit to negotiate the loss." False [redacted] did not prepare a [redacted] estimate of loss but this was actually prepared solely by the [redacted] adjuster, [redacted] Again, [redacted] never met with the [redacted] adjuster.• She only paid 2,that [redacted] allotted for in their estimate of loss" This allotted” amount was improperly paid by [redacted] ***He took this 2,from the [redacted] payment.• [redacted] has a little over 9,to paint and to do the carpet work in her condo.” FalseSo far | only have received from [redacted] - Public Adjusters (Document4)Obviously, this is a meager amount and makes me unable to go ahead with the total house painting, total house flooring replacement and other restoration work.In addition to [redacted] many erroneous claims made to both [redacted] and to my possible lawyer [redacted] I submit the following additional information:• I sent [redacted] a letter via email and USCertified Mail on March 29, (Document )In this letter, I asked him if we could resolve these matters between us and most importantly return his excessive and inappropriate commission of 2,My letter was returned in the sealed envelope (Document) as I sent it, unopened and not accepted by [redacted] from the mailman and post officeIn my opinion, this is highly unprofessional conduct and represents a refusal to address his improper business practice.• [redacted] initially did not give me a copy of the contractI, then, insisted that a copy must be provided to me in accord with standard business practiceHe reluctantly allowed me to take a picture with my [redacted] which I fortunately had with me.• I submit evidence (Document ) that [redacted] has previously been cited and fined by the Pennsylvania Insurance and Licensing Department in In my opinion, this record of misconduct should undermine his integrity, and put into question the veracity of his responses to the Revdex.com.• The Revdex.com has also received at least two previous complaints regarding [redacted] (www.Revdex.com.org)Based upon the above, [redacted] should immediately mail me a check for 2,which he improperly appropriated to himself

*** *** clearly does not understand the terms of this contractShe hired us after she was unhappy with her original insurance settlementUsing our services, we were able to negotiate a much larger settlement for her lossUsing AAA Public Adjusters, *** *** has added a little over $3,
dollars to her original settlement (the 3,dollar figure is the monies gained after our contingent fee)The recoverable depreciation that she is referring to is from her additional settlement, which as per our contract we are entitled to taking our contingent fee. We have been trying to educate *** ***, that we are owed money from all checks that come from the insurance company after the start of our contract (please see her attachment)The amount in her documents ($1575.60) is her original settlement. The total recoverable depreciation referenced in her documents is from 3/9/17, after she began her contract with us (in the amount of $1067.20)We do not have any contact with *** *** ***, it is the insured’s responsibility to pay for their services, just as it is her responsibility to pay for ours (AAA Public Adjusters).

My response is the same as in my prior submission.

*** *** clearly does not understand the terms of this contractShe hired us after she was unhappy with her original insurance settlementUsing our services, we were able to negotiate a much larger settlement for her lossUsing AAA Public Adjusters, *** *** has added a little over $3,
dollars to her original settlement (the 3,dollar figure is the monies gained after our contingent fee)The recoverable depreciation that she is referring to is from her additional settlement, which as per our contract we are entitled to taking our contingent fee. We have been trying to educate *** ***, that we are owed money from all checks that come from the insurance company after the start of our contract (please see her attachment)The amount in her documents ($1575.60) is her original settlement. The total recoverable depreciation referenced in her documents is from 3/9/17, after she began her contract with us (in the amount of $1067.20)We do not have any contact with *** *** ***, it is the insured’s responsibility to pay for their services, just as it is her responsibility to pay for ours (AAA Public Adjusters)

Complaint: ***
I am rejecting this response because I want to see the check invoice that was sent by *** *** to PA just like the first invoice and FINAL invoice sent. YES, it is my belief PA WAS and IS not entitled to the depreciation funds. They were and are alloted to *** *** *** company for completing the job. Also, I like to know when is the contract considered final??? I thought the contract was FINAL when they sent me the FIRST funds from the payment they received. ONCE AGAIN, they PA did not indicated, nor when I SPOKE to Mark that they were expecting proceeds from the depreciation. Therefore, I've sent back the check, because IT IS NOT mines to accept. They need to send the full $1,to Paul Davis
Regards,
*** ***

November 30, 2015Dear *** ***:This letter is in response to *** ***'s complaint dated August 22, 2015.*** ***'s assertions are factually incorrect, without merit, and self-servingShe was not taken advantaged of as she outlined in her complaint to youWe are still working on her claim in
a professional manner, but she is constantly putting up roadblocks to bring this claim to a successful conclusion.As evidenced by the contract she signed with our firm*** *** acknowledged by her signature on it that she received a copy of itI actually handed her a copy of the contract while sitting on her sofa with her and fully explained it to herShe also received one other copy of the contract on another occasionShe was also fully aware that she was remunerating AAA Public Adjusters a 30% contingent fee for their services and she never once inquired about canceling the contract.*** ***'s assertion that we were inflating prices is ridiculousWe prepared an extensive scope of loss without pricing for the *** *** adjusterThis was the only document that he followed to prepare his estimate of loss when we met at *** ***'s homeOnce I received the estimate of loss from the insurance company, I reviewed it and sent an objection letter to the inside claim examiner to review my concerns with his adjuster's estimate of lossThe inside claims examiner never responded to my letter even after several attempts by email and phone to do so.To make matters even more convoluted, *** *** fired *** ***, the initial contractor on the jobHe provided me his invoice and claims that *** *** owes him a $7,balanceI have asked *** *** on several occasions to give me her new contractors invoice so I can attempt to recover the $19,recoverable depreciationTo date, she has not done soThus, I recommended exercising the Appraisal condition of the policy to try to bring this claim to a resolutionShe declined moving forward with the Appraisal processAfter her refusal of exercising the Appraisal condition, I again asked her for her new contractor's invoice, but she still has not supplied it to meShe is wasting time by not providing me the proper documentation to assert a claim for the recoverable depreciation portion of the claim.Contrary to *** ***'s belief, we did monitor the work of the mitigation company and expose the damaged areas to the mitigation technicianIt involved more than just putting holes in the walls as she assertsIf she paid attention at the time I scoped out the loss, she would have seen that along with scoping out the loss, I did extensive moisture meter readings to provide to the mitigation company to perform the necessary work in her homeI was also present on the day that the mitigation company started the work and did a walk through with the technician pointing out the affected areasFurthermore, I inspected the final work that the mitigation company completed and found it to be of excellent qualityAdditionally, it is not the job of a public adjuster to monitor the work of the mitigation company on a daily basis.Ultimately, *** *** hired *** *** ***Let me point out that *** *** *** invoiced $19,for the work they performed in *** ***'s homeShe only paid $10,that the *** *** allotted for in their estimate of lossThis was because of my agreement with *** *** *** that they would accept whatever the *** *** allotted in their estimate.If there are any further questions, please do not hesitate to contact me.Very truly yours,Aaron L

November 30, 2015Dear *** ***:
This letter is in response to *** ***'s complaint dated August 22, *** ***'s assertions are factually incorrect, without merit, and self-servingShe was not taken advantaged of as she outlined in her complaint to youWe are
still working on her claim in a professional manner, but she is constantly putting up roadblocks to bring this claim to a successful conclusion.As evidenced by the contract she signed with our firm*** *** acknowledged by her signature on it that she received a copy of itI actually handed her a copy of the contract while sitting on her sofa with her and fully explained it to herShe also received one other copy of the contract on another occasionShe was also fully aware that she was remunerating AAA Public Adjusters a 30% contingent fee for their services and she never once inquired about canceling the contract*** ***'s assertion that we were inflating prices is ridiculousWe prepared an extensive scope of loss without pricing for the *** *** adjusterThis was the only document that he followed to prepare his estimate of loss when we met at *** ***'s homeOnce I received the estimate of loss from the insurance company, I reviewed it and sent an objection letter to the inside claim examiner to review my concerns with his adjuster's estimate of lossThe inside claims examiner never responded to my letter even after several attempts by email and phone to do soTo make matters even more convoluted, *** *** fired *** ***, the initial contractor on the jobHe provided me his invoice and claims that *** *** owes him a $7,balanceI have asked *** *** on several occasions to give me her new contractors invoice so I can attempt to recover the $19,recoverable depreciationTo date, she has not done soThus, I recommended exercising the Appraisal condition of the policy to try to bring this claim to a resolutionShe declined moving forward with the Appraisal processAfter her refusal of exercising the Appraisal condition, I again asked her for her new contractor's invoice, but she still has not supplied it to meShe is wasting time by not providing me the proper documentation to assert a claim for the recoverable depreciation portion of the claimContrary to *** ***'s belief, we did monitor the work of the mitigation company and expose the damaged areas to the mitigation technicianIt involved more than just putting holes in the walls as she assertsIf she paid attention at the time I scoped out the loss, she would have seen that along with scoping out the loss, I did extensive moisture meter readings to provide to the mitigation company to perform the necessary work in her homeI was also present on the day that the mitigation company started the work and did a walk through with the technician pointing out the affected areasFurthermore, I inspected the final work that the mitigation company completed and found it to be of excellent qualityAdditionally, it is not the job of a public adjuster to monitor the work of the mitigation company on a daily basisUltimately, *** *** hired *** *** ***Let me point out that *** *** *** invoiced $19,for the work they performed in *** ***'s homeShe only paid $10,that the *** *** allotted for in their estimate of lossThis was because of my agreement with *** *** *** that they would accept whatever the *** *** allotted in their estimateIf there are any further questions, please do not hesitate to contact meVery truly yours,Aaron L

November 30, 2015Dear *** ***:This letter is in response to *** ***'s complaint dated August 22, 2015.*** ***'s assertions are factually incorrect, without merit, and self-servingShe was not taken advantaged of as she outlined in her complaint to youWe are still working on her claim in
a professional manner, but she is constantly putting up roadblocks to bring this claim to a successful conclusion.As evidenced by the contract she signed with our firm*** *** acknowledged by her signature on it that she received a copy of itI actually handed her a copy of the contract while sitting on her sofa with her and fully explained it to herShe also received one other copy of the contract on another occasionShe was also fully aware that she was remunerating AAA Public Adjusters a 30% contingent fee for their services and she never once inquired about canceling the contract.*** ***'s assertion that we were inflating prices is ridiculousWe prepared an extensive scope of loss without pricing for the *** *** adjusterThis was the only document that he followed to prepare his estimate of loss when we met at *** ***'s homeOnce I received the estimate of loss from the insurance company, I reviewed it and sent an objection letter to the inside claim examiner to review my concerns with his adjuster's estimate of lossThe inside claims examiner never responded to my letter even after several attempts by email and phone to do so.To make matters even more convoluted, *** *** fired *** ***, the initial contractor on? the jobHe provided me his invoice and claims that *** *** owes him a $7,balanceI have asked *** *** on several occasions to give me her new contractors invoice so I can attempt to recover the $19,recoverable depreciationTo date, she has not done soThus, I recommended exercising the Appraisal condition of the policy to try to bring this claim to a resolutionShe declined moving forward with the Appraisal processAfter her refusal of exercising the Appraisal condition, I again asked her for her new contractor's invoice, but she still has not supplied it to meShe is wasting time by not providing me the proper documentation to assert a claim for the recoverable depreciation portion of the claim.Contrary to *** ***'s belief, we did monitor the work of the mitigation company and expose the damaged areas to the mitigation technicianIt involved more than just putting holes in the walls as she assertsIf she paid attention at the time I scoped out the loss, she would have seen that along with scoping out the loss, I did extensive moisture meter readings to provide to the mitigation company to perform the necessary work in her homeI was also present on the day that the mitigation company started the work and did a walk through with the technician pointing out the affected areasFurthermore, I inspected the final work that the mitigation company completed and found it to be of excellent qualityAdditionally, it is not the job of a public adjuster to monitor the work of the mitigation company on a daily basis.Ultimately, *** *** hired *** *** ***Let me point out that *** *** *** invoiced $19,for the work they performed in *** ***'s homeShe only paid $10,that the *** *** allotted for in their estimate of lossThis was because of my agreement with *** *** *** that they would accept whatever the *** *** allotted in their estimate.If there are any further questions, please do not hesitate to contact me.Very truly yours,Aaron L

Complaint: [redacted]
I am rejecting this response because I want to see the check invoice that was sent by [redacted] to PA just like the first invoice and FINAL invoice sent.  YES, it is my belief PA WAS and IS not entitled to the depreciation funds.  They were and are alloted to [redacted] company for completing the job.  Also, I like to know when is the contract considered final???  I thought the contract was FINAL when they sent me the FIRST funds from the payment they received.  ONCE AGAIN, they PA did not indicated, nor when I SPOKE to Mark that they were expecting proceeds from the depreciation.  Therefore, I've sent back the check, because IT IS NOT mines to accept.  They need to send the full $1,067.00 to Paul Davis.
Regards,
[redacted]

Jun 16 14
Dear [redacted]:[redacted] verbiage is incorrect. After interviewing her condo manger and previous tenant, we found that the condo did receive the 8,443.96 insurance proceeds. She just never bothered to follow the condos rules to obtain the funds because she is attempting to sell her condo as is and divert the funds for other use. She is incorrect about our meeting with the [redacted] adjuster. We did meet with the [redacted] adjuster shortly after her claim.Furthermore, she has attempted and still is attempting not to pay companies that performed work in her condo. She is the one that ultimately hired [redacted] Restoration to do the work in her condo. She has not paid his full mitigation bill including the debris removal from her condo. A copy of the bill that [redacted] submitted is enclosed herein. As you can see he billed 6,749.40. She only paid 2,976.67. Does she have any complaints about that?Additionally, we have tried to contact [redacted] at least a dozen times by telephone with no response. If she would contact us directly, we can help resolve her issues.In closing, I would like to say if [redacted] continues on the path she is going, we will be forced to take legal action against her.If there are any further questions, please do not hesitate to contact me.Very truly yours,

March 16, 2014Dear [redacted]:This letter is in response to your letter dated March 12, 2014 that concerns [redacted]s insurance claim.Your letter is factually incorrect. We negotiated the loss with two separate insurance carriers. From her HO6 carrier we obtained a settlement that...

reflected policy limits on the building plus loss of rent. Furthermore, we met with the [redacted] adjuster and obtained a settlement with them as reflected in my distribution of loss. Additionally, we prepared a scope of loss for both insurance carriers. The proceeds from [redacted] have been forwarded to the condos management company. As I stated to [redacted] several times, she has to do the work, as outlined in [redacted] estimate of loss, to receive the funds from the management company.To assert that we had nothing to do with securing the proceeds from [redacted] is ridiculous. We prepared an estimate of loss for the [redacted] adjuster and met with the [redacted] adjuster at her condo unit to negotiate the loss. Let me remind [redacted] that the management company tried to blow off her claim and did not want to forward it to [redacted]. Only after my meeting with her and [redacted] at the management company did the claim get called into [redacted].Let me point out that [redacted] Restoration invoiced 6,291.07 for the worked he performed in [redacted]' condo. She only paid $2,976,67 that [redacted] allotted for in their estimate of loss. This was due to my agreement with [redacted] that he would accept whatever [redacted] allotted in their estimate.[redacted] has a little over $9,000.00 to paint and to do the carpet work in her condo. If she cannot find a contractor to do it for that amount, we can recommend one that will.Her defaming statements and threats of a frivolous civil suit could end up with AAA Public Adjusters, LLC filing Suit against her.If there are any further questions, please do not hesitate to contact meSincerely,

May 21, 2014
Dear [redacted],
First, let me clearly demonstrate [redacted] improper and excessive commissions which he took for himself in violation of our contract. There are two sources of insurance: [redacted], which is my insurance company. The second is [redacted] Insurance Company which is the condominiums insurance company for [redacted] Condominium.Check 1- [redacted] (paid and sent to [redacted]) 5,277.36Check 2- [redacted] (paid and sent to [redacted]) 2,358.00Anticipated payment from [redacted]- never paid $ 8,443.9616,079.32According to our contract, any commission for [redacted] can only be taken by him from insurance company checks or payments actually made from an insurance carrier. (Document 1- Contract). The [redacted]Condo insurance coverage has not been paid.[redacted] improperly took his commission from the total 16,079.32 at 25% which amounted to 4,019.83. He included the unpaid [redacted]- Condo loss payment in his commission. [redacted] did not secure payment of the claim by [redacted]. Instead, he instructed me to obtain it. (Document 2 - email from [redacted] to me, dated 129/2014.) As such, he abandoned the claim.Instead, he should have only taken a commission on the already paid 5,277.362,358.00 7,635.36. A quarter of this sum (25%) amounts to 1,908.84 which should be his commission.The main basis for my Revdex.com complaint is simply: [redacted] took an inappropriate and excessive amount of 2,110.99 which is the difference between 4,019.83 and 1,908.84. By taking money that wasn't his, [redacted] has caused me undue financial hardship.I am asking the Revdex.com to negotiate a settlement whereby [redacted] sends me the 2,110.99I reject [redacted] responses to the Revdex.com because they contain many factual inaccuracies. He has not offered any solutions to the problems and issues raised in my initial complaint to the Revdex.com.In [redacted] letter to Ms. Vernette Butts of the Revdex.com (5/12/14), he writes regarding [redacted] Restoration:• She retained him on her own.” False. [redacted] retained [redacted] Restoration.Additonally, [redacted] in his response to Ms. Vernette Butts (5/12/14), makes reference to his letter addressed to my possible prospective lawyer, [redacted]" on 3/16/2014. I enclose the initial letter sent by [redacted] to [redacted] (Document ) which [redacted] actually responded to. I rebut his assertions made by [redacted] in his correspondence to [redacted] which he presents as his reply to the Revdex.com.
• Furthermore, we met with the [redacted]s adjuster and obtained a settlement with them as reflected in my distribution of loss." False. [redacted] never met with the [redacted] adjuster.• The proceeds from [redacted] have been forwarded to the condos management company" False. As emphasized above, the [redacted] anticipated loss payment has not been paid.• As I stated to [redacted] several times, she has to do the work, as outlined in the [redacted]s estimate of loss, to receive the funds from the management company.” If [redacted] never met with the [redacted] adjuster and requires that I do the work to receive the funds, then [redacted] should not be entitled to 25% of this unpaid amount of 8,443.96.• We prepared an estimate of loss for the [redacted] adjuster and met with the [redacted] adjuster at her condo unit to negotiate the loss." False. [redacted] did not prepare a [redacted] estimate of loss but this was actually prepared solely by the [redacted] adjuster, [redacted] Again, [redacted] never met with the [redacted] adjuster.• She only paid 2,976.67 that [redacted] allotted for in their estimate of loss. False " This allotted” amount was improperly paid by [redacted]. He took this 2,976.67 from the [redacted] payment.• [redacted] has a little over 9,000 to paint and to do the carpet work in her condo.” False. So far | only have received 638.86 from [redacted] - Public Adjusters (Document4). Obviously, this is a meager amount and makes me unable to go ahead with the total house painting, total house flooring replacement and other restoration work.In addition to [redacted] many erroneous claims made to both [redacted] and to my possible lawyer [redacted] I submit the following additional information:• I sent [redacted] a letter via email and US. Certified Mail on March 29, 2014 (Document ). In this letter, I asked him if we could resolve these matters between us and most importantly return his excessive and inappropriate commission of 2,110.99 My letter was returned in the sealed envelope (Document) as I sent it, unopened and not accepted by [redacted] from the mailman and post office. In my opinion, this is highly unprofessional conduct and represents a refusal to address his improper business practice.• [redacted] initially did not give me a copy of the contract. I, then, insisted that a copy must be provided to me in accord with standard business practice. He reluctantly allowed me to take a picture with my [redacted] which I fortunately had with me.• I submit evidence (Document ) that [redacted] has previously been cited and fined by the Pennsylvania Insurance and Licensing Department in 1999. In my opinion, this record of misconduct should undermine his integrity, and put into question the veracity of his responses to the Revdex.com.• The Revdex.com has also received at least two previous complaints regarding [redacted] (www.Revdex.com.org)Based upon the above, [redacted] should immediately mail me a check for 2,110.99 which he improperly appropriated to himself.

Review: **. [redacted] and AAA PUBLIC ADJUSTERS BROKE THEIR OWN CONTRACT. He took a double fee from my insurance company proceeds. I was left with next to nothing to restore my property. He ASSUMED I would receive insurance proceeds from the condominium insurance company and took his fee from this insurance company out of the 1st insurance company check. I did not receive any monies from the condominium insurance company. He did not represent the condominium. He was not entitled to a fee from monies which did not exist.**. [redacted] was not part of the condominium insurance claim, but helped himself to a fee. POOR CUSTOMER SERVICE AND COMMUNICATION. POOR SERVICE and NO WARRANTY- **. [redacted] HIRED A SUBCONTRACTOR who did not complete the work. They overcharged for their services and left behind debris, including the damaged carpet and padding and materials ripped up and trash from inside the house. I phoned, emailed and sent a letter to **. [redacted] and [redacted] SERVICES (subcontractor) regarding the above. I received no reply from either party. The condominium and neighbors are incensed and I may face a fine. The condominium feels it is a health hazard. This debris remains on the patio. I have tried to settle these issues related to CONTRACT, CUSTOMER SERVICE and WARRANTY SERVICE with **. [redacted] and AAA Public Adjuster on my own for the past 3-4 months with no success. Original contract was dated January 7, 2014.Desired Settlement: 1. A refund of $2,110.99 which represents 25% of condominium insurance proceeds which were not paid to anyone. This amount was not earned by **. [redacted] or AAA Public Adjusters. 2. Removal of debris left behind by **. [redacted] and AAA Public Adjusters subcontractor, [redacted] Services.

Business

Response:

March 16, 2014Dear [redacted]:This letter is in response to your letter dated March 12, 2014 that concerns [redacted]s insurance claim.Your letter is factually incorrect. We negotiated the loss with two separate insurance carriers. From her HO6 carrier we obtained a settlement that reflected policy limits on the building plus loss of rent. Furthermore, we met with the [redacted] adjuster and obtained a settlement with them as reflected in my distribution of loss. Additionally, we prepared a scope of loss for both insurance carriers. The proceeds from [redacted] have been forwarded to the condos management company. As I stated to [redacted] several times, she has to do the work, as outlined in [redacted] estimate of loss, to receive the funds from the management company.To assert that we had nothing to do with securing the proceeds from [redacted] is ridiculous. We prepared an estimate of loss for the [redacted] adjuster and met with the [redacted] adjuster at her condo unit to negotiate the loss. Let me remind [redacted] that the management company tried to blow off her claim and did not want to forward it to [redacted]. Only after my meeting with her and [redacted] at the management company did the claim get called into [redacted].Let me point out that [redacted] Restoration invoiced 6,291.07 for the worked he performed in [redacted]' condo. She only paid $2,976,67 that [redacted] allotted for in their estimate of loss. This was due to my agreement with [redacted] that he would accept whatever [redacted] allotted in their estimate.[redacted] has a little over $9,000.00 to paint and to do the carpet work in her condo. If she cannot find a contractor to do it for that amount, we can recommend one that will.Her defaming statements and threats of a frivolous civil suit could end up with AAA Public Adjusters, LLC filing Suit against her.If there are any further questions, please do not hesitate to contact meSincerely,

Consumer

Response:

May 21, 2014Dear [redacted], First, let me clearly demonstrate [redacted] improper and excessive commissions which he took for himself in violation of our contract. There are two sources of insurance: [redacted], which is my insurance company. The second is [redacted] Insurance Company which is the condominiums insurance company for [redacted] Condominium.Check 1- [redacted] (paid and sent to [redacted]) 5,277.36Check 2- [redacted] (paid and sent to [redacted]) 2,358.00Anticipated payment from [redacted]- never paid $ 8,443.9616,079.32According to our contract, any commission for [redacted] can only be taken by him from insurance company checks or payments actually made from an insurance carrier. (Document 1- Contract). The [redacted]Condo insurance coverage has not been paid.[redacted] improperly took his commission from the total 16,079.32 at 25% which amounted to 4,019.83. He included the unpaid [redacted]- Condo loss payment in his commission. [redacted] did not secure payment of the claim by [redacted]. Instead, he instructed me to obtain it. (Document 2 - email from [redacted] to me, dated 129/2014.) As such, he abandoned the claim.Instead, he should have only taken a commission on the already paid 5,277.362,358.00 7,635.36. A quarter of this sum (25%) amounts to 1,908.84 which should be his commission.The main basis for my Revdex.com complaint is simply: [redacted] took an inappropriate and excessive amount of 2,110.99 which is the difference between 4,019.83 and 1,908.84. By taking money that wasn't his, [redacted] has caused me undue financial hardship.I am asking the Revdex.com to negotiate a settlement whereby [redacted] sends me the 2,110.99I reject [redacted] responses to the Revdex.com because they contain many factual inaccuracies. He has not offered any solutions to the problems and issues raised in my initial complaint to the Revdex.com.In [redacted] letter to Ms. Vernette Butts of the Revdex.com (5/12/14), he writes regarding [redacted] Restoration:• She retained him on her own.” False. [redacted] retained [redacted] Restoration.Additonally, [redacted] in his response to Ms. Vernette Butts (5/12/14), makes reference to his letter addressed to my possible prospective lawyer, [redacted]" on 3/16/2014. I enclose the initial letter sent by [redacted] to [redacted] (Document ) which [redacted] actually responded to. I rebut his assertions made by [redacted] in his correspondence to [redacted] which he presents as his reply to the Revdex.com.• Furthermore, we met with the [redacted]s adjuster and obtained a settlement with them as reflected in my distribution of loss." False. [redacted] never met with the [redacted] adjuster.• The proceeds from [redacted] have been forwarded to the condos management company" False. As emphasized above, the [redacted] anticipated loss payment has not been paid.• As I stated to [redacted] several times, she has to do the work, as outlined in the [redacted]s estimate of loss, to receive the funds from the management company.” If [redacted] never met with the [redacted] adjuster and requires that I do the work to receive the funds, then [redacted] should not be entitled to 25% of this unpaid amount of 8,443.96.• We prepared an estimate of loss for the [redacted] adjuster and met with the [redacted] adjuster at her condo unit to negotiate the loss." False. [redacted] did not prepare a [redacted] estimate of loss but this was actually prepared solely by the [redacted] adjuster, [redacted] Again, [redacted] never met with the [redacted] adjuster.• She only paid 2,976.67 that [redacted] allotted for in their estimate of loss. False " This allotted” amount was improperly paid by [redacted]. He took this 2,976.67 from the [redacted] payment.• [redacted] has a little over 9,000 to paint and to do the carpet work in her condo.” False. So far | only have received 638.86 from [redacted] - Public Adjusters (Document4). Obviously, this is a meager amount and makes me unable to go ahead with the total house painting, total house flooring replacement and other restoration work.In addition to [redacted] many erroneous claims made to both [redacted] and to my possible lawyer [redacted] I submit the following additional information:• I sent [redacted] a letter via email and US. Certified Mail on March 29, 2014 (Document ). In this letter, I asked him if we could resolve these matters between us and most importantly return his excessive and inappropriate commission of 2,110.99 My letter was returned in the sealed envelope (Document) as I sent it, unopened and not accepted by [redacted] from the mailman and post office. In my opinion, this is highly unprofessional conduct and represents a refusal to address his improper business practice.• [redacted] initially did not give me a copy of the contract. I, then, insisted that a copy must be provided to me in accord with standard business practice. He reluctantly allowed me to take a picture with my [redacted] which I fortunately had with me.• I submit evidence (Document ) that [redacted] has previously been cited and fined by the Pennsylvania Insurance and Licensing Department in 1999. In my opinion, this record of misconduct should undermine his integrity, and put into question the veracity of his responses to the Revdex.com.• The Revdex.com has also received at least two previous complaints regarding [redacted] (www.Revdex.com.org)Based upon the above, [redacted] should immediately mail me a check for 2,110.99 which he improperly appropriated to himself.

Business

Response:

Jun 16 14 Dear [redacted] verbiage is incorrect. After interviewing her condo manger and previous tenant, we found that the condo did receive the 8,443.96 insurance proceeds. She just never bothered to follow the condos rules to obtain the funds because she is attempting to sell her condo as is and divert the funds for other use. She is incorrect about our meeting with the [redacted] adjuster. We did meet with the [redacted] adjuster shortly after her claim.Furthermore, she has attempted and still is attempting not to pay companies that performed work in her condo. She is the one that ultimately hired [redacted] Restoration to do the work in her condo. She has not paid his full mitigation bill including the debris removal from her condo. A copy of the bill that [redacted] submitted is enclosed herein. As you can see he billed 6,749.40. She only paid 2,976.67. Does she have any complaints about that?Additionally, we have tried to contact [redacted] at least a dozen times by telephone with no response. If she would contact us directly, we can help resolve her issues.In closing, I would like to say if [redacted] continues on the path she is going, we will be forced to take legal action against her.If there are any further questions, please do not hesitate to contact me.Very truly yours,