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Property & Casualty Insurance/Expert Profile
Expertise
I am qualified to answer questions about home owners personal property claims, especially fire claims. I am able to answer questions about A.C.V vs. Replacement Cost as well as the reality behind cleaning and restoration. I can answer questions regarding policy compliance as well as questions of what to do when you don't agree with the insurance company's adjuster.
Experience in the area
I have over 5 years of experience adjusting claims for home owners, not insurance companies. I was also a fire victim. I am the founder and President of a non-profit organization that assists fire victims in specific counties with filling out and filing their personal property claims.
Organizations
President of 1st Hand fire victims assistance program
Education/Credentials
Associates Degree in Business Administration Specialty Courses in Insurance Adjusting State Civil testing Yearly Continuing education
Awards and Honors
United Way Award for Community Service to Fire Victims
Average Ratings
Recent Reviews from Users
K = Knowledgeability C = Clarity of Response T = Timeliness P = Politeness| User | Date | K | C | T | P | Comments |
|---|---|---|---|---|---|---|
| Monica | 11/09/09 | 10 | 10 | 10 | 10 | |
| Monica | 11/05/09 | 10 | 10 | 10 | 10 | Response could not be any more clear ..... |
| Ben | 10/16/09 | 10 | 10 | 10 | 10 | I really appreciate all of Deanna's advice ..... |
| Jeff | 10/01/09 | 10 | 10 | 10 | 10 | Very quick response, straight forward and concise ..... |
| Lynn | 10/01/09 | 10 | 10 | 10 | 10 | Thank you so much for the info ..... |
Recent Answers from Deanna Terry
2009-10-01 Sworn Statement in Proof of Loss:
Hello Jeff, Yes, you absolutely could be signing away rights. A sworn proof of loss is your signed sworn statement as to your belief of the amount of loss. You can comply with the request by
2009-09-28 Personal property fire issues:
Hello Lynn, The actual cash value money is yours to do with as you like. However, the insurance company only owes you the replacement cost (or depreciated amount) if you replace a similar item.
2009-09-24 Fire damage:
Hello Rhonda, Something is not right here. I will need more info in order to guide you. Who the insurance company is, the state where he loss occurred etc. I have never heard of an insurance company
2009-09-04 Large loss:
Hello Brandi, Please email me again and mark it private. I will then email you my personal information so I can answer your question thoroughly. There is a lot going on here and I will be happy to
2009-09-02 Water Damage to Carpet:
Hello Jerilyn, If this was YOUR insurance company I could tell you that no, you had new carpet they owe you new carpet. However, what you seem to have here is a third party liability claim. I am not
Answers by Expert:
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