Premium Loss Adjusters

Dear *** ***Please allow this letter to explain the disputes pertaining to the statements the insured has made regarding the smoke damages to her home which occurred on December 3, 2014, Attached please find the documents executed by the insured *** ***; our contract, letter of
representation and a copy of the payment authorization agreement in which the insured is stating she did not signAs you will see a signature match does occur on all three documentsIn regard to *** ***, they only did emergency services; *** advised that she wanted no other work performed as she obtained her own contractor (*** ***) to complete the repairs to her home*** *** has not performed any other services per the request of the insured.Our handling Adjuster Mr*** *** met with Mr*** *** of *** and inspected the property on December 15, Negotiations were completed and agreements madeWe have received checks in the office from *** linsuranceThe amount received for the building totalled approximately $19,We processed the checks, and disbursed payment to the insured for approximately $16,Please be advised that Ms*** returned the $16,check back to our office,*** *** our handling adjuster did speak with Ms*** who advised that the amount was unacceptable and items were not addressed in the estimate*** *** spoke with Mr*** and agreed to schedule an appointment at the loss site to go over the scope of damages and address items of concernAn appointment was scheduled for January 29, with *** ***, Mr, *** (***) and the insuredMr*** and Mr*** showed for the appointment, upon arrival Ms*** showed up along with her contractor *** ***At that time Ms*** advised that there will be no inspection and *** *** advised the insured that she needs to leave with himMr*** and Mr*** were not given access to the propertyBefore leaving the property Mr*** contacted his supervisor in regard to the matter and Mr*** advised that he will be forwarding a letter to our office.The accusation Ms*** is stating toward Mr*** not working on her behalf are falsely statedMr*** had attempted to address issues and concerns by re-scheduling a re-inspection of the property with *** adjuster *** ***The insured is the one who denied them access to the property and had not allowed them to go over any of the damages to address the concerns and come to a conclusion.On February 2, 2015, we received a letter from *** regarding the meeting on January 29, for the re-inspection, Mr*** states in his letter, "at the inspection the insured advised there will be no inspection." Mr*** also stated in his letter that they determined claim was paid appropriately and are closing file.Steps to rectify Ms*** issues and concerns were takenMs*** made the decision to deny Mr*** and Mr*** access to her property in order to make the necessary inspection of the damages and work on a solutions to the concerns she had wanted addressed.As an added measure we have contacted *** *** *** ***'s manager to arrange for another inspection to try and resolve Ms*** concernsWe were advised that they feel the claim has been paid appropriately and to refer to their correspondence dated January 29, which we have attached for your review.If you have any questions or wish to discuss this matter further, please do not hesitate to contact me.Thank you.Yours truly,Michael PM***Premium Loss Adjusters

Premium Loss Adjusters helped my family and I through what was arguably the greatest tragedy of our life timesBob and his colleges all worked very hard to not only ensure that I understood every step of the insurance claim process, but also to represent me adequately to the insurance companyNot only did I feel much more comfortable having Bob and his employees to turn to for questions, as opposed to the very unreliable insurance company, but he managed to get me a larger settlement, which I was able to use to not only fully restore my home but to get ahead of my monthly billsI would highly recommend Premium Loss Adjusters to anyone who has experienced a loss at their home for their professionalism, overall confidence and ability to get the job done promptly

December 21, 2015Dear [redacted],Received your letter today, December 21, 2015, which is dated December 18, 2015, at which time we feel that the accusations [redacted]s is implying are false and untrue due to the fact that we are working on resolving her claim with [redacted] diligently,We met...

with [redacted] on October 15, 2015 and during our inspection it had been obvious the range had caught fire and caused damage to the kitchen area. It was agreed upon by [redacted] and me that the kitchen would be remodeled, As for the rest of the property which had suffered Smoke damage, it would be cleaned, sealed and painted, which [redacted] and I had agreements to do based on the scope.A few days after we had met with [redacted], he contacted me and advised that [redacted] from [redacted] would like to do a recorded statement with the insured regarding a few questions they had with the tenant and the insurance policy, it took for [redacted] and [redacted]s to the middle of November to do the recorded statement as there had been a miscommunication with [redacted] and [redacted]s. Once the recorded statement had commenced which with my discussions with [redacted] was just a routine recorded statement due to the fact there was a fire at the property and that the living arrangements had been unclear with [redacted]s.We had contacted [redacted] on numerous occasions and finally on December 8, 2015, [redacted] received word from [redacted] that this claim would be payable and would be forwarding their estimate to me shortly, [redacted] had forwarded an email to Premium Loss Adjusters on the 8th of December 2015 which we were unable to open and had ask [redacted] to forward his estimate in a PDF so we would be able to open it as the secured site in which [redacted] had forwarded to us had been only something an [redacted] member and/or employee could open, We then had received checks in our office on the 11th of December with no explanation, We then contacted the adjuster [redacted] again to get the estimate from him in the PDF form which he finally forwarded to us on the 18th of December 2015, which is attached for your consideration.Our office is in the process of preparing the checks for [redacted]s, however we were unaware whether Rapid Restoration had been paid for their scrubbers and are forwarding to [redacted] as of December 18, 2015,Regarding [redacted] accusations that [redacted] is owned by Premium Loss Adjusters, those statements are clearly untrue, [redacted] had performed services at the property in which the insurance company allowed approximately $2,840,93 for the cleaning of the property, [redacted]s bill is only $2,100.00. [redacted] is the owner of [redacted] and nobody else,I am in the process of trying to contact [redacted] to resolve this incident amicably so we may move forward and [redacted] can go forward with fixing her property and Premium will take no further action in this matter. We have no intentions of being dishonest and/or sneaky. We are simply going to take our 15% fee and resolve this matter with [redacted].If you have any questions moving forward in the matter, please do not hesitate to contact me.Thank you.Yours truly,Michael M. Premium Loss Adjusters

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because:
 
If Premium Loss Adjusters is claiming they were helping me, then why did I had to get a lawyer to handle this case, which I paid for out of my own money.
Regards,
[redacted]

I had fire water at my house recently and the adjusters walked me through the insurance claim process. Whenever I called in, the office staff was courteous and friendly. Everyone there helped me and my family out with anything we needed, they made the whole process so much easier!

December 21, 2015
Dear [redacted],
Received your letter today, December 21, 2015, which is dated December 18, 2015, at which time we feel that the accusations [redacted]s is implying are false and untrue due to the fact that we are working on resolving her claim with [redacted]...

diligently,We met with [redacted] on October 15, 2015 and during our inspection it had been obvious the range had caught fire and caused damage to the kitchen area. It was agreed upon by [redacted] and me that the kitchen would be remodeled, As for the rest of the property which had suffered Smoke damage, it would be cleaned, sealed and painted, which [redacted] and I had agreements to do based on the scope.A few days after we had met with [redacted], he contacted me and advised that [redacted] from [redacted] would like to do a recorded statement with the insured regarding a few questions they had with the tenant and the insurance policy, it took for [redacted] and [redacted]s to the middle of November to do the recorded statement as there had been a miscommunication with [redacted] and [redacted]s. Once the recorded statement had commenced which with my discussions with [redacted] was just a routine recorded statement due to the fact there was a fire at the property and that the living arrangements had been unclear with [redacted]s.
We had contacted [redacted] on numerous occasions and finally on December 8, 2015, [redacted] received word from [redacted] that this claim would be payable and would be forwarding their estimate to me shortly, [redacted] had forwarded an email to Premium Loss Adjusters on the 8th of December 2015 which we were unable to open and had ask [redacted] to forward his estimate in a PDF so we would be able to open it as the secured site in which [redacted] had forwarded to us had been only something an [redacted] member and/or employee could open, We then had received checks in our office on the 11th of December with no explanation, We then contacted the adjuster [redacted] again to get the estimate from him in the PDF form which he finally forwarded to us on the 18th of December 2015, which is attached for your consideration.
Our office is in the process of preparing the checks for [redacted]s, however we were unaware whether Rapid Restoration had been paid for their scrubbers and are forwarding to [redacted] as of December 18, 2015,
Regarding [redacted] accusations that [redacted] is owned by Premium Loss Adjusters, those statements are clearly untrue, [redacted] had performed services at the property in which the insurance company allowed approximately $2,840,93 for the cleaning of the property, [redacted]s bill is only $2,100.00. [redacted] is the owner of [redacted] and nobody else,
I am in the process of trying to contact [redacted] to resolve this incident amicably so we may move forward and [redacted] can go forward with fixing her property and Premium will take no further action in this matter. We have no intentions of being dishonest and/or sneaky. We are simply going to take our 15% fee and resolve this matter with [redacted].
If you have any questions moving forward in the matter, please do not hesitate to contact me.
Thank you.
Yours truly,
Michael M.
Premium Loss Adjusters

Dear [redacted]We received your letter dated March 31, 2015. We find this letter perplexing and would like to reply to her rejections accordingly,According to [redacted], her first rejection, “Premium Loss Adjusters still has her money". Please see attached letter and disbursement that had been forwarded to [redacted] in order for her to start the process of fixing her property and forwarded to [redacted] on January 16, 2015. [redacted] then forwarded back to our office February 5, 2015 with a letter you will see attached. [redacted] advised that this is unacceptable amount even though [redacted] and my office had advised [redacted] that this is undisputed funds, which means it's an advance toward her claim and that anything moving forward would be based on a supplemental basis. This was explained to [redacted] and we are not holding [redacted] money. We are just trying to resolve this claim in an amicable way so the [redacted] can be made whole again from her loss of December 3, 2014.[redacted] also advises that Premium Loss Adjusters had responded to the Revdex.com on March 20th after [redacted] had contacted you on February 1, 2015. Please be advised your original Revdex.com complaint had been set up on February 13, 2015 in your office, therefore we did not receive from you for quite some time. We had responded back to you as quickly as possible and forwarded a letter back on March 16, 2015 to explain and resolve this matter in detail, [redacted] rejection in my opinion has no merit on that basis.The next bullet point regarding [redacted] cancelling Premium Loss Adjusters contract on December 6, 2014 is simply untrue, please see attached the "Disclosure of Additional Compensation and/or Financial Interest", in no way shape or form does it advise that she does not want to use Premium Loss Adjusters, this strictly states that she does not want to use [redacted]. This is something that [redacted] would have to take up with [redacted], not our company and have respected her wishes in order for us to move forward with the file and not include [redacted] in any of the rebuild process. Again we were unaware why she would think that she had cancelled our contract, which I will also forward you a copy of the "Notice and Right to Cancellation", that has gone unsigned by [redacted].[redacted] next bullet point is an interesting bullet point which I feel shows the instability regarding [redacted] information and complaints, She advises that on January 16, 2015 she had spoken to [redacted] and set up a meeting, [redacted] has set up a meeting with [redacted] himself to re-inspect the property on January 29, 2015. She also advises she spoke to [redacted] who is [redacted] supervisor and advises that the checks have been cashed and deposited, Checks have never been cashed; checks have been deposited in an escrow account according to [redacted] agreement with us and her wishes, We have disbursed everything regarding the loss for her so she could start making repairs. We were unaware until [redacted] and [redacted] had met at the property that [redacted] had wanted to cancel the inspection, which again we were unaware and had showed up at the property for the January 29, 2015 inspection. We don't know why this would have any bearing on the rejection of this complaint and bullet point,Next, regarding January 6, 2015 at 11:48am, her texting [redacted] regarding the dumpster rental and removal of the ceilings and checking the damages to the electrical wiring is again perplexing in my opinion. There is no way there would be an issue regarding this and this would be the entire point for the re-inspection. Why this did not happen is shocking to me and again shows the instability of [redacted] and her complaint.Regarding the next bullet point, [redacted] advises she still has not received the loss of rents. This is an issue with [redacted] not Premium Loss Adjusters. Her complaint towards [redacted] is a complaint which should be handled directly with them, [redacted] has requested from [redacted] numerous times and we have yet to receive it.[redacted] did not close [redacted] claim due to the fact that she was misrepresented by Premium Loss Adjusters, [redacted] closed the file due to the fact that [redacted] had been unresponsive in resolving the matter and supplementing the claim, On December 15, 2014, [redacted] and [redacted] had conducted an inspection and [redacted] had not been present, which is very common that an insured would not be present during a loss of this magnitude and is not necessary for an insured to be there, however if [redacted] wanted to be at the property she is more than welcome to have been there and I believe [redacted] had advised same. In conclusion, we feel this complaint is baseless and should be discarded and resolved with the Revdex.com immediately, [redacted] has badgered and tried to fight her way through the claims process. She has also secured the services of [redacted], Esquire to represent her regarding the claim and handle the claim in further fashion. We have tried to contact [redacted] on numerous occasions to resolve this matter, however we have not received a response as of yet. The statements made by [redacted], clearly is contradicting to what she believes; in one statement she advises that on December 6, 2014 she cancels the contract but on January 16, 2015 had tried to schedule a meeting with [redacted], Clearly there is a miscommunication that [redacted] is not understanding and we would like for this complaint to be resolved immediately,If you have any questions or wish to discuss this matter further, please do not hesitate to contact me. 
Thank you.
Yours Truly,
Michael P. M[redacted]
Premium Loss Adjusters