Tell me some insurance adjuster horror stories.

Delays are very common. Insurance adjusters often take too long to process claims, leaving claimants in difficult situations.

Sure. There was a homeowner whose roof was damaged during a storm. The public adjuster hired by the insurance company kept insisting that the damage was pre - existing, even though it clearly happened during the storm. The homeowner had to fight hard, providing photos and witness statements from neighbors to prove otherwise. It was a real headache for the homeowner who just wanted a fair settlement to fix their roof.

Well, I heard of a case where a family relied on Cobra Insurance during a difficult time. However, the insurance company took forever to process claims. They kept asking for the same documents over and over again. This caused a lot of stress for the family as they were already dealing with health issues. It was like the insurance was making things worse instead of helping. They had paid a lot for the insurance but got very little in return in terms of timely assistance.

There was a situation where a public adjuster misinterpreted the insurance policy. A business owner had flood damage, and the adjuster wrongly told him that certain types of damages were not covered. As a result, the business owner didn't get the full compensation he deserved. Later, when he got a second opinion, he found out that the adjuster was wrong, but by then it was a big hassle to get the insurance company to re - evaluate the claim.

One horror story is that the rental car insurance had a very high deductible that the customer wasn't aware of until they had an accident. To avoid this, always ask about the deductible amount before buying the insurance. Another is when the insurance didn't cover damages caused by natural disasters like hail. To prevent such situations, read the policy thoroughly. If it's not clear, ask the rental company to explain.

I knew a person who had a cavity that grew into a huge problem. Since they had no dental insurance, they couldn't afford to go to the dentist right away. By the time they finally managed to save some money, the cavity had turned into an abscess. The pain was unbearable, and they had to get an emergency extraction which was very expensive and also a very difficult procedure because of the advanced state of the problem.

There was a traveler who got sick during a trip overseas. The local medical bills were very high. The travel insurance was supposed to cover the medical expenses. But when the claim was made, the insurance company claimed that the pre - existing condition clause applied even though the traveler had no known pre - existing conditions. They fought for months but still had to pay a large portion of the bill out of pocket.

One horror story is when a family's home was severely damaged by a storm. They thought their home insurance would cover it all. But the insurance company found a tiny loophole in the policy about pre - existing roof damage. So they only paid a fraction of what was needed for repairs, leaving the family to struggle with huge out - of - pocket expenses.

I heard of a case where a driver paid their premiums on time every month. Then when they had a minor fender - bender, the insurance company found a loophole in the policy to deny the claim. It turned out some small print said that a certain type of repair wasn't covered, which the driver wasn't aware of. They were stuck with a big repair bill.

One horror story is when an insurance company took forever to process a claim after a car accident. The claimant had to constantly call and fight for weeks just to get an adjuster to look at the damage. It was extremely frustrating as they couldn't get their car repaired in time and had to rely on public transportation, which was inconvenient and costly.