Insurance claim for bathroom repair?

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Author Message   eratosthenes Citizen Username: Eratosthenes Post Number: 27 Registered: 9-2003 Posted on Friday, February 6, 2004 - 8:21 pm:        I'm interested in people's opinions on this. We have significant dry rot in the plywood in the floor of our bathroom. A contractor (recommended by a couple of people on MOL) opines that he is also an insurance claims adjuster, and will pursue a claim with our insurance company to recover some of the cost of the ultimate repair. His take is 35% of the settlement money. Needless to say there would be an emergency temporary repair done immediately. He also showed us mold in various places. Does his suggestion seem reasonable? I have no experience with claims adjusters. His argument is that the insurance company will want to wait for something to collapse before proceeding; he knows how to pitch the necessary repairs.   bobk Supporter Username: Bobk Post Number: 4573 Registered: 5-2001 Posted on Friday, February 6, 2004 - 8:42 pm:        First off it is questionable if your insurance covers something such as this as it is gradual wear and tear, not a sudden bursting of a pipe. Second, in most states (I am not sure about NJ), public adjustors, who deal with insurance companies on behalf of insureds are licesned and their fees are regulated. They can be useful with very complicated claims such as a total fire loss to your house and preparing an inventory of personal property, etc. A 35% fee is ridiculous. This is more than John Edwards collects in a complicated liability negligence case. Third, I think you need a new plumber.