What Damaged OR Destroyed Your Home OR Business...
Fire, Flood, Hurricane, Earthquake?
Do you feel Uncertain, Confused, Lost, Overwhelmed, Frustrated, or just plain Worn Out trying to deal with:
- The Claim Representative or Adjuster
- Understanding your Policy
- Why Appreciating Assets are Depreciated
- Definitions from the Policy
- Interpreting and Understanding Endorsments and Exclusions
- Recognizing your Claim as a Business Negotiation
- Preparing: your Claim, the values, 4 Inventories, and/or "Proof of Loss" forms
- Being "Under-Insured" after the Agent told you that you were fully covered
- Accepting or Rejecting the insurance company Settlement (probably a "low-ball") Offer... is it fair or not, and how do you possibly know?
Remember: A "Settlement" is just an offer, not an agreement - unless you accept it.
Has it has been too easy dealing with, and maybe even settling, your property claim? If it has, then consider: Have you ever sold something so quickly and easily that you knew you had significantly under-priced it? This can easily happen to you. Then the insurance company wins BUT you lose! Remember: Settled and Closed claims may be re-opened!
Let Pete Romero ease your uncertain, frustrated and out of control feelings by attending the non-profit 501 (c-3) "Policyholders Recovery" FREE, No Nonsense Policy and Claim workshops. There you'll learn new and more complete information, comprehend more, and gain self-confidence necessary in order for you to better succeed in achieving both a fairer settlement and more peace of mind, than otherwise. Also, by using the informational and educational resources and videos that can be found on this website, you can quickly be much more in control and more pro-active in this confusing, complex, new business negotiation called a "claim." All of this help, in the workshops and on this site, are just for your benefit. And by the way... at the workshops, there are no "sign-up" sheets, and no marketing or pressure to do anything.
All salespersons and solicitors are NOT INVITED AND ARE NOT WELCOME... THIS IS only Policyholders with property claims from this disaster, and no one else. Policyholders attending need privacy and comfort, wiithout any outside influences.
Pete's giving workshops every week, & has for 12 weeks. and the schedule is as follows:
Sat. Oct. 13th 6:30 pm
Wed. Oct. 17th 6:30 pm
Thu. Oct. 20th 6:30 pm
Thu. Oct. 25th 6:30 pm
Sun. Nov. 4th 2:00 pm
Sun. Nov. 11th 2:00 pm
Sun. Nov. 18th 6:30 pm
Tue. Nov. 27th 6:30 pm
Wed. Dec. 5th 6:30 pm
Thu. Dec. 13th 6:30 pm
Private Reviews, either individually or in groups, may be scheduled. Ask Pete.
Remember, the Next Workshop is:
- Sat. 10/13, 6:30-9:00pm, CSFD Fire Station #18, 6830 Hadler View-Walgreens
1/4 will be Policy, Claim, Interpretation information, & the other3/4 will be a “Q&A” session for you.
Further Workshops and important new information will be announced:
- Craigslist: Colorado Springs > Financial > Waldo Canyon Fire
- Facebook: Waldo Canyon Fire
Check back often for updates.
Pete will meet for a personal claim review or small group workshop with individuals or several families/friends/neighbors together, HOA's, etc.
Be sure to have a complete Professional review of your claim and situation, once you have received at least your Dwelling, Other Structures, and Trees/ Shrubs/Plants Settlement Offers... before your sign a "Proof of Loss."
That Professional opinion (whether or not you are being paid fairly for your loss) is critical to your rebuilding and finances, and that's most important to know.
"Under-Insurance" (for total losses) and "Insulating Glass" Units-dual pane windows & doors (for partial losses) are THE 2 LARGEST PROBLEMS for the property owners within the "CSFD's Fire Zone" in Mountain Shadows.
For Partial losses:
The major dual pane window and door manufacturers ("Andersen", "Pella", "IGW", and "Cardinal") ALL AGREE THAT:
These units almost certainly have imperceptable damage to: hardware, glass, seals, weather-stripping, frame, sliding mechanisms, flanges, etc., which most likely results in failures within several years since being exposed to heat over 160 degrees F, such as in a fire, and therefore Should Be Replaced. Also, their Warrantee is no longer valid or in force for any "heat related" damages.
For Total losses:
"Under-Insurance" is commonly known by the insurance industry to cause about:
2/3 of US Homeowners' homes to be "Under-Insured" by 50% or more, and
3/4 of US Homeowners' contents to be "Under-Insured" by 50% or more.
Think about that for a moment or two:
If you and 2 neighbors/friends have TOTAL losses, then 2 of you probably are "Under-Insured" on 50% (or more) for your homes AND your contents.
There may well be a solution, which has been quite successful... without a lawsuit in most claims. Tell Pete if you have this problem! Just how hard do or did you work to obtain a net, after tax, $100,000. or $250,000. or more?
Probably pretty hard. Don't let money that you should've been paid just walk away while hearing: "Its too bad that you're so Under-Insured." Let's fix that problem together, the way that it should be. In almost all situations, an Agent said: "You are fully covered by your Replacement policy."
So... why do you find out now that you aren't "fully covered"? Isn't that a brokenpromise?
If this is your situation, or becomes your situation... then let'stalk about it... right away, while there's this opportunity to correct the situation!
USE THIS SITE OFTEN: BECOME BETTER EQUIPED TO DEAL WITH MANY THESE UNFORTUNATE SITUATIONS, LEARN HOW TO PREPARE, PRESENT & NEGOTIATE YOUR CLAIM FOR YOUR LOSS AND DAMAGE... BETTER THAN YOU'D THOUGHT POSSIBLE. AND IF NOT, WHAT HAVE YOU LOST BY ATTENDING OUR WORKSHOP... 2 HOURS?
And if you wish to receive 20 policy & claim info emails, one/day, then sign up below. There are no follow-up solicitations or sales efforts caused by signing up. But you will learn a heck of a lot!
When you realize that you want to consider our professional assistance OR you have any questions about that: how we work, time frames, fees, or anything else like that, then just let Pete know. You may reach him directly at 719.232.1168 or 626.333.0199, 7am to 8pm, 7 days/week (during ongoing disasters).