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Carrier’s Gone Wild: United Property & Casualty

Lawsuit Alleges Field Adjusters Stated Under Oath That Florida Based Insurer Commanded That Reports Be Altered To Reduce Or Deny Claims—Did Insurers Do This To Dupe Florida Legislators?

Florida insurance companies have been well known for driving up rates and filing news articles at the start of legislative sessions that support their legislative propaganda initiatives. The typical accused are lawyers and contractors. The Attorney General’s office and newspaper reporters should call the lawyers for a contractor regarding a complaint filed and follow with an inquiry about a court case which states:

  1. Instead of ensuring that field adjusters created honest, accurate reports to confirm that UPC’s insured received an assessment that reflected their loss, Defendants specifically instructed desk adjusters to modify the estimates created by field adjusters to decrease estimates in order to ultimately decrease the amount of money UPC pays to its insureds when claims are made under the insurance policies. In many circumstances, Defendants instructed field adjusters to modify reports to give UPC a “factual basis” to deny coverage altogether. Defendants pressured adjusters to create factual bases that were fraudulent in order to deny claims.
  2. As this scheme has come to light, some field adjusters have stated under oath that UPC commanded them to add language to their reports which was inaccurate and outright false.

Accusations of a legal action are just accusations and not the truth. But, after reading the following, I feel many people should follow up with what is going on and why this type of conduct is allowed:

Rod Buvens, a field adjuster representing UPC through PLS following Irma, testified that UPC’s desk adjuster instructed him to add language into his report “[t]hat no wind damages were observed upon inspection” at the property at issue, despite this language being inaccurate based upon Mr. Buvens’ own inspection of a home.

Reporting on homes damaged by Irma, Mr. Buvens informed UPC’s desk adjuster, Josh DeMint, numerous times that the statement “no wind damages were observed upon inspection” was incorrect multiple times; yet, Mr. Buvens was still expected to include the inaccurate statement in his report at the order and direction of UPC.

Mr. Buvens testified that UPC requires its field adjusters remove items from an estimate, which ultimately results in UPC owing less to its insureds. 34. For example, Mr. Buvens testified that he was explicitly instructed to remove portions of his estimate, which would have amounted to an additional $1,376.30 that UPC would have owed pursuant to the insurance policy. Furthermore, if Mr. Buvens’ report and estimate were not wrongly modified by UPC, the insured in this specific instance would have obtained a full roof replacement, which would have cost UPC thousands of dollars more pursuant to the insurance policy.

I encourage all policyholders with UPC claims to make reference to this alleged conduct and get this data.

If you or anyone you know has United Property and Casualty and have experience anything of this sort, we encourage you to contact our office at 877-275-0275 immediately for a free claim review.  You can also fill out the webform below.