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Golden State Claims Adjusters

2244 Faraday Ave # 126, Carlsbad, California, United States, 92008-7208

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Reviews Insurance, Insurance Claims Processing, Adjuster, Insurance Adjuster Golden State Claims Adjusters

Golden State Claims Adjusters Reviews (%countItem)

Filed a claim against a AH construction and filed with Contractors License Board the contractor abandoned project and what work he did complete was not up to code and has numerous safety violations.The state license board is in agreement with me however Golden State Claims are unconcerned . It’s hard to contact adjusters as they don’t answer phones or return calls and when they do it’s at their leisure . When you do talk to an adjuster the tone is very demeaning . After emails and constant calls I finally started getting what I thought would lead to my claim being settled in my favor due to the California State. License Board agreed with me that I should be awarded claims due to negligence, abandonment, illegal work performed by the (AHConstruction) contractor . How ever they denied the claim and gave no report as to why other than that information was on a need to know basis

Golden State Claims Adjusters Response • Mar 14, 2020

Dear Mr.,

This general liability claim was submitted to Golden State for investigation. An investigation into the circumstances of this claim commenced. The Insured and Claimant were interviewed and documentation was gathered. We engaged the services of an independent adjuster to conduct a property inspection. Once all the information was gathered from our investigation, it was determined that there was no coverage under the policy for the Insured. A coverage letter was issued to the Insured outlining the basis of our position. As there is no coverage under the policy for this claim, we are unable to address the claimant's alleged damages under the policy.

The file handler at Golden State maintained regular contact with the Claimant throughout the investigation. The Claimant spoke with the file handler on 1/7/20, 1/23/20, 2/14/20 & 3/10/20. He also sent e-mails on 1/7/20, 3/2/20 and 3/10/20 (attaching a letter that was sent on 3/3/20). While we understand that the Claimant is frustrated that we are unable to address his claim, we have kept him apprised of the situation throughout the process.

Given that the insurance policy (contract) is with the Insured, we are not at liberty to provide all the details that the Claimant has asked to receive. We administer the claim subject to the terms of the policy and regrettably there is no coverage afforded for this claim.

Sincerely,

***

Senior Vice President, Head of Claims

Golden State Claims Adjusters

Customer Response • Mar 18, 2020

This response is inaccurate the explanation give was a general response and when I tried to find out more they told me it was a matter between my self and the insured they never gave me the conclusion or any formal letter or copies of the investigation and what was concluded. In fact I had no idea the claim was denied until I pressed to find out . In fact if I never called several other times and brought to the adjuster and his supervisors lack of communication there would have been none. Simply put I guess they are waiting for my house to fall do to faulty structural repairs done by the insured, or for my self or my children to die from electrical shock because of faulty wiring or carbon monoxide poisoning due to the improper ventilation or perhaps death by fire due to the electrical issues. Perhaps then this would be an issue that they would acknowledge

Golden State Claims Adjusters Response • Mar 19, 2020

Dear Mr.,

In an effort to provide the claimant with more detailed information regarding why there is no coverage afforded to the insured for this claim we are going to reach out to the insured to see if he will authorize us to share this information with the claimant. We will let you know how he responds.

In addition, we have opened a second file under the insured's surety bond to determine if there would be any potential coverage under that bond. The claim number is *** and is being investigated by a different adjuster. The adjuster has reached out to the bondholder and claimant to gather the necessary information in order to evaluate the claim. We encourage the claimant to cooperate with that investigation so that we can evaluate the claim in a timely fashion.

Thank you.

Sincerely

We have an open claim against a bond holder (Bond # ***) whose adjuster is Gold State Claims. They do not provide friendly customer service, do not return phone calls and are managing to not cover a bounced check from the bond holder to a subcontractor. They make comments that we refuse to provide information when we have repeated told them we are unable to provide such information and when I again asked how I just resolve the bounced check I was forwarded to voice mail so someone could "explain it to me" as if I am stupid. They seem to be avoiding closing this case by blaming us for not providing required information when we provided copies of the blank check, what else do they need??

Golden State Claims Adjusters Response • Dec 27, 2019

Dear Mr. Moreno,This correspondence is in regard to the above-referenced complaint. We received your letter, dated December 18, 2019, on December 23, 2019. We understand from the Customer’s Statement of the Problem that claimant feels we are refusing to honor her claim and that we are allegedly delaying her investigation.On November 4, 2019, the handling adjuster contacted claimant and requested documentation, via email, to substantiate the allegations made by the claimant. The claimant provided us with information on November 7, 2019. Unfortunately, claimant's demand was not clear and we were unable to determine the amount of her loss from her narrative. The handling adjuster attempted to obtain clarification and sent an email to claimant on November 18, 2019 with a list of questions that need to be answered so that we can conclude the investigation. A follow up email was sent to claimant on December 9, 2019. To date, claimant has failed to answer our questions.According to Section 3301 of the California Civil Code, monetary damages must be clearly ascertainable in both nature and origin to be recovered under the bond. Section 3301 reads as follows: 3301. No damages can be recovered for a breach of contract which are not clearly ascertainable in both their nature and origin.As you can see, we are unable to conclude our investigation without claimants clarification in the matter. At this time, it appears to us that claimant is only claiming for the amount that was left unpaid to a subcontractor of $4,200.00 and has provided us with a copy of the bounced check; however, claimant also presented us with a statement from the subcontractor demanding more funds. Claimant also provided us with a number of other documents and has yet to clarify the amount that she is attempting to recover from the bond. All that is required from claimant is to answer the questions that the handling adjuster sent to her so that we can comply with the above-referenced Section of the California Civil Code.We stand ready to evaluate the merits of the claim once we receive the missing info from the claimant. Thank you for your assistance.***sGolden State Claims Adjusters

Customer Response • Dec 27, 2019

To ***I filed this complaint because of lack of progress on our claim punctuated by an astoundingly rude and unacceptable phone call with your office staff.My last communication (phone call) was with a woman whose name I don't recall; she spoke over me as she was typing in that we refused to provide additional information all the while I was trying to explain that since the repair work was nearly completed we were physically unable to provide a second estimate, from a brand new contractor, for the work on the house. How would a new contractor accurately assess work required when the work has been performed?She quite literally ignored me, told me I did not understand how things work, forwarded me to a voice mail box and hung up. The person's voice mail she forwarded me to never returned my call nor did the adjuster (Jade) from the previous day nor anyone else from your office. This is the first communication received since the Revdex.com becoming involved.Your office has a copy of a bounced check to our stucco contractor from BigMars Builders. I have repeatedly ask that the contractor be made good from your office. Please explain how to add more meaningful information beyond that we paid BigMars Builders for work done on our behalf and that he wrote a bad check to pay for the work after skimming an additional $100 from us. We paid $4300 and our contractor is out $4200.You have the contract we made with BigMars Builders. You have the contract with the stucco contractor, copies of the check from us to BigMars and copy of the returned check from the bank. You also have a termination letter we sent to Big Mars based. The company defrauded us of thousands but my first effort was to make good for our stucco contractor, something I thought was a pretty cut and dry concern. 3301. No damages can be recovered for a breach of contract which are not clearly ascertainable in both their nature and origin.How much more is required to show that a subcontractor was defrauded? We have provided every bit of documentation requested outside the (questionable need for a) completely new job estimate. I have included an image of the check and bank return notice.Please let me know what steps I can take to resolve this claim; our sub has been short these funds since July of this year.Regards

When calling any number for this business noted on their website, it all goes to voicemail. We filed a claim against a general contractor's bond and submitted the requested information based on the letter they had sent us. 7 days passed and nothing. We email them and no response. We tried calling the claims specialist more than once for an update on the claim. On the second try, someone finally picked up the line and threatened us. It wasn't until this person was told that the call was being recorded that he hung up the phone. We then contacted Safebuilt Insurance Services - the insurance company who writes the policy they administer that we finally started getting calls back - - and of course denying that the threat incident ever happened. When the claims specialist did finally respond on the status of the claim, she requested all types of information (most of which they already had from our original submission). The threat is being handled separately in our report with the LAPD, but we are now waiting for the new claims specialist (as we requested a change in assignment due to the involvement of the previous claims specialist in the threat incident) to confirm status and communication on what is outstanding to move the investigation forward. We have an issue with their business practices which are far from professional and appropriate.

Golden State Claims Adjusters Response • Dec 27, 2019

Dear ***,We are in receipt of your letter dated November 18, 2019 received on December 23, 2019. We appreciate the opportunity to share our side of things.This claim was presented by the claimant under a surety bond on 11/20/19 to Golden State Claims Adjusters. Claim was set up by 11/21/19 and assigned to the adjuster. On 11/22/19 the bondholder and claimant were contacted via e-mail and specific information was requested of both to assist in our investigation. On 12/5/19 the adjuster received some of the information requested but not all the info. On 12/10/19, the bondholder indicated via telephone that he would be forwarding the info we requested from him. On 12/12/19, we received a complaint call from the claimant indicating that someone from our office threatened her. As this is a serious allegation, we obtained information from the claimant and immediately consulted with our third-party technology company to track phone records. Using the specific info provided by the claimant, we confirmed that two phone calls were made to the assigned adjuster as alleged. However, both of these calls are confirmed as having gone to her voicemail. When asked if the claimant would provide a copy of the alleged recorded conversation, the claimant refused to provide to us.Following us sharing this info with the claimant, the file handler followed up with the claimant in writing on 12/12/19 requesting some of the info that was not submitted on 12/5/19. At the urging of the claimant, we reassigned the claim to another adjuster on 12/16/19. On 12/20/19 the new adjuster sent a detailed letter to the claimant again requesting the missing info originally requested on 12/5/19. As of the day of this writing, we have not had a response from the claimant regarding the missing info. This info is necessary in order to properly evaluate the validity of the claim.It should be noted that the bondholder provided a detailed rebuttal to the claimant's allegations on 12/23/19 which will also be evaluated independently by the adjuster as part of our investigation. We stand ready to evaluate the merits of the claim once we receive the missing info from the claimant. Thank you for your assistance.***Golden State Claims Adjusters

Customer Response • Dec 28, 2019

Mr. fails to acknowledge that it was "us", who had to initiate every inquiry and persistently demand a status on our claim submission for us to get any information. It was not until "we" filed complaints with outside agencies and went outside of their internal chain of command that we started to get any response from them. Even then, the information was different with every interaction. It was my husband who was threatened, not me. It is also Mr. who refused to pull their phone recordings from that morning in question stating that he did not know if their calls are recorded. It was also Mr. who refused to pull any security footage of the facility stating that they did not have any security cameras. It was also Mr. who refused to produce and present this proof from his third party phone vendor showing that both calls made from my husband's business phone went to voicemail. The statements made to me from the first claims specialist were also inconsistent with subsequent communications to us from both Mr. and the latest claims specialist. At this point, Mr., as a representative of Golden State Claims Adjusters made their position clear in their refusal to handle our complaint in good faith. Mr. fails to note that it was at this time that we explicitly gave notice of our intent to forward our complaint to outside agencies. We also communicated at this time that we will be forwarding any and all supporting documentation (which include data from our own third party phone vendor disprovin***'s assertion about both phone calls going to voicemail) to these outside agencies so that the investigations will be handled fairly and independently. It is evident in complaints filed by other consumers that this type of interaction is the usual business protocol they follow. We intend to pursue all available avenues to ensure that this entity take responsibility for their actions as well as inaction.

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Address: 2244 Faraday Ave # 126, Carlsbad, California, United States, 92008-7208

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+1 (866) 531-1064

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