Quote:
Originally Posted by ApS
A public adjuster will be most beneficial when it is clear that the insurer will pay the claim and the only issue is the proper identification and valuation of the loss.
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Unfortunately, that is not the case here. They did not put a value to the loss, they outright denied it because of the peril that damaged the dock, which they say was waves. And I don't think its a case of whether or not particular peril is covered or not. For the moment I'm going to assume that waves are not covered (still waiting for their version of the coverage language). It really revolves around which peril caused the loss. Was it, in fact, waves or was it the boat? I can say with certainty that if the boat wasn't there I would not have had the damage that I do. Here are some pics of both the dock and boat damage.
https://www.icloud.com/sharedalbum/#B17GfnH8tGEVx1S