Question about insurance company's adjuster duty

Asked over 1 year ago - Chicopee, MA

The tenant and I are insured by the same insurance company . The building is condemned . My tenant and I do not have a public adjuster . My adjuster paid me for the demolition and debris removal on my building , but the tenant adjuster refused to pay the tenant equipment and debris removal . I told my insurance adjuster about this discrepancy and she informed me that she did not wish getting involved in the dispute . I do not believe this is a dispute between a tenant and landlord , but a dispute over whose policy covers what regarding contents . I had to pay with my own funds to remove the tenant debris . I do not think this is right . What is my insurance adjuster ( insurance company ) responsibility in this kind situation ? Thanks

Attorney answers (3)

  1. Emma A. Kremer

    Contributor Level 15

    6

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    Best Answer
    chosen by asker

    Answered . Insurance companies are heavily regulated under MGL c 176D. Among their duties are to promptly evaluate claims and settle claims promptly where liability is reasonably clear. You should contact your insurance company and if unsuccessful, consult an attorney who can assist you with drafting a c 93A demand letter for any violations of the insurance companies duties to you. Best of luck.

    The above is NOT legal advice, and is NOT intended to be legal advice. No Attorney-Client relationship is created... more
  2. Erik Hammarlund

    Contributor Level 18

    4

    Lawyers agree

    Answered . You're talking about a presumably large adjustment (almost all real estate is worth into the six figures,) for what is presumably a commercial building, with a tenant.... why are you relying on free Internet advice? Hire an attorney to help you.

    Do you want accurate, personalized, legal advice that you can rely on? You will have to hire an attorney, not ask... more
  3. David B Pittman

    Pro

    Contributor Level 20

    5

    Lawyers agree

    1

    Answered . Your insurance adjuster has a duty to represent you and defend you against any claims. This includes denying claims that are not your responsibility and fighting over claims where there may be dual liability. In short, they are supposed to defend you against all potential claims both legitimate and deny the ones that you are not responsible for.

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