urbanSTL

quincunx wrote: ↑

4:59 PM - Jan 23

Wild you don't know the names of your insurance company? Doesn't your policy say? Your mortgage lender would want to know too.

I live in a condo and HOA contracts with an insurance broker.

Permits issued since Nov 9
5605 ENRIGHT
5261 WASHINGTON
5535 WATERMAN
2 KINGSBURY
29 WASHINGTON
5592 PERSHING AV
5211 WASHINGTON
5553 WATERMAN
80 WATERMAN PL
5561 WATERMAN
415 BELT
5527 WATERMAN
5547 WATERMAN
18 WASHINGTON
5521 WATERMAN
5170 CATES
5507 WATERMAN
5367 PERSHING
5386-90 PERSHING
5280 WESTMINSTER
5587 LINDELL
9 KINGSBURY
609 CLARA
5221 WASHINGTON
5145 LINDELL
5568 WATERMAN
4562 WASHINGTON
79 WATERMAN PL
24 PORTLAND PL
5501 WATERMAN
5771 PERSHING
23 WASHINGTON
5088 WASHINGTON
5533 LINDELL BLVD
4925 PERSHING
4969 FOUNTAIN
26 KINGSBURY
5763 LINDELL
5565 LINDELL
5731 WATERMAN
5761 DEGIVERVILLE
4 KINGSBURY
605 CLARA
5585 PERSHING
5367 PERSHING
5386-90 PERSHING
5280 WESTMINSTER
5587 LINDELL
9 KINGSBURY
609 CLARA
5221 WASHINGTON
5145 LINDELL
5568 WATERMAN
4562 WASHINGTON
79 WATERMAN PL
24 PORTLAND PL
5501 WATERMAN
5771 PERSHING
23 WASHINGTON
5088 WASHINGTON
5533 LINDELL
4925 PERSHING
4969 FOUNTAIN
26 KINGSBURY
5763 LINDELL
5565 LINDELL
5731 WATERMAN
943 BEACH
4526 ALDINE
5122 WATERMAN
4728 MCPHERSON
5835 PERSHING
5582 PERSHING
5214 WASHINGTON
5092 WESTMINSTER
44 WASHINGTON
42 WASHINGTON
5128 WESTMINSTER
5842 PERSHING
6117 MCPHERSON
5773 DEGIVERVILLE
6248 WATERMAN
5793 WATERMAN
5122 WATERMAN
57 WATERMAN
5036 ENRIGHT
4036 SHREVE
5590 PERSHING
28 WASHINGTON
1384 UNION
5226 WATERMAN
5082 WESTMINSTER
4234 SAN FRANCISCO
76 WATERMAN
5826 WATERMAN
14 WATERMAN
5153 WASHINGTON
5092 WESTMINSTER
4733 WASHINGTON
4532 LEXINGTON

quincunx wrote: ↑

4:01 PM - Jan 09

KSDK - Residents decry city’s sluggish tornado recovery: 'People are literally dying'


https://www.ksdk.com/article/news/local ... 33b241ebdb

Good job, Cara

throatybeard wrote: ↑

12:01 AM - Feb 04

quincunx wrote: ↑

4:01 PM - Jan 09

KSDK - Residents decry city’s sluggish tornado recovery: 'People are literally dying'


https://www.ksdk.com/article/news/local ... 33b241ebdb

Good job, Cara

It is not Cara. It is the insurance adjustors. I am a home owner affected by tornado and displaced from my condo with repairs nowhere in sight.

1. President Trump and Elon Musk nuking FEMA
2. Insurance companies 
4. City of St. Louis lack of emergency preparedness 
5. City of St. Louis procurement rules
6. maybe Cara Spencer via Julian Nicks but he still has time to redeem himself 

You left out the state.

quincunx wrote:You left out the state.

The state that leveraged the tornado to get STL Dems to support a handout to KC billionaires.

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Honestly, I thought the State was exceptionally generous with the $100M+. I expected nothing. 

addxb2 wrote:Honestly, I thought the State was exceptionally generous with the $100M+. I expected nothing. 

The state needed STL Dem votes for the stadium handout, so they upped the tornado spending. That is why. The bill that gave STL $100M also made $1.5 billion available for KC billionaires.

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I received a call from STL Recovers (https://www.stlouis-mo.gov/tornado/index.cfm) office inquiring how my tornado recovery was going and whether I needed any assistance. While I have valid and well-justified reasons to request them to inquire why insurance process is taking so long thus causing financial hardship, I am hesitant to approach the office as I am not yet a US citizen and don't want to jeopardize my pathway to citizenship. There are no eligibility requirements for this program.

^Right now you very much have my sympathy, and I know from my wife's immigration process that some of the requirements and restrictions are . . . nuts. (And were even a dozen years ago.) I'm assuming you have a good immigration attorney, but if you need a recommendation I'd hope an organization like  the International Institute can help. We worked with a fellow named Stephen Blower, but he's in Columbia MO, so probably not really useful, but I'd be happy send him an e-mail and ask if there's anyone here he'd recommend. (Might be nice to just say hi anyway.) Sorry to get off topic, but pm me if there's anything I can do.

Stl PR - Tornado victims lose hope as St. Louis programs deny relief to hundreds

https://www.stlpr.org/government-politi ... f-hundreds

With WashU and Forest Park in the background. These aerials really show just how many trees were lost and how many roofs (the white ones) they still need to be replaced.

can someone please share the content from this biz journal article since it is behind paywall?

https://www.bizjournals.com/stlouis/new ... -farm.html

https://archive.is/ is the best 

https://archive.is/hQAB9 - sorry for the bad formatting

jtlq53 wrote: ↑

8:19 PM - Mar 04

https://archive.is/ is the best 

https://archive.is/hQAB9 - sorry for the bad formatting

doesn't work for me

stlurbanist wrote: ↑

8:10 PM - Mar 04

can someone please share the content from this biz journal article since it is behind paywall?

https://www.bizjournals.com/stlouis/new ... -farm.html

If you don't have one already, get a library card. SLPL cardholders can go to https://www.slpl.org/resources-types/ne ... magazines/ and click on the Business Journal link to access all STL BJ articles for free.

The gist of that article: several owners in historic neighborhoods near Forest Park are suing State Farm, alleging they have undervalued repair costs and delayed cash outlays. Some of those payments have been coordinated with mortgage companies, further limiting the homeowners' access to cash in order to pay contractors.

The article says the Missouri Department of Commerce and Insurance has received about 140 consumer complaints just from claims due to the May tornado. Anyone else disputing claims is encouraged to contact them.

One homeowner says essentially that the delay and obstruction is the point, that delaying payments is a tactic pressuring policy holders in to just accepting 80 cents on the dollar just to get something done. That's especially effective for homeowners who don't have enough liquid cash to front expenses while waiting on insurance reimbursements.

-RBB

rbb wrote: ↑

1:24 PM - Mar 05

stlurbanist wrote: ↑

8:10 PM - Mar 04

can someone please share the content from this biz journal article since it is behind paywall?

https://www.bizjournals.com/stlouis/new ... -farm.html

If you don't have one already, get a library card. SLPL cardholders can go to https://www.slpl.org/resources-types/ne ... magazines/ and click on the Business Journal link to access all STL BJ articles for free.

The gist of that article: several owners in historic neighborhoods near Forest Park are suing State Farm, alleging they have undervalued repair costs and delayed cash outlays. Some of those payments have been coordinated with mortgage companies, further limiting the homeowners' access to cash in order to pay contractors.

The article says the Missouri Department of Commerce and Insurance has received about 140 consumer complaints just from claims due to the May tornado. Anyone else disputing claims is encouraged to contact them.

One homeowner says essentially that the delay and obstruction is the point, that delaying payments is a tactic pressuring policy holders in to just accepting 80 cents on the dollar just to get something done. That's especially effective for homeowners who don't have enough liquid cash to front expenses while waiting on insurance reimbursements.

-RBB

thnk you so much, RBB. i didn't know that SLPL cardholdes had access to journal - very cool!

America: Where we expect for profit private businesses to be morally superior and put people above profits.

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Does anyone have recommendations on a law firm/attorney who can assist me in a case to understand where the delays are in the insurance claim process? Is it even a sensible decision to pursue legal action - I am a condominium owner. I cannot sit idle when this entire process is taking emotional and financial toll.

Yes, as I've suggested before, you need a lawyer

jonkleinow wrote: ↑

Dec 01, 2025

stlurbanist wrote: ↑

Dec 01, 2025

Does anyone know whom I can approach about delay in processing insurance claims for an HOA?

It might be bad karma for me (an insurance adjuster, but NOT for property) to post this, but here's the link to file a complaint with the state DOI. https://insurance.mo.gov/consumer-compl ... complaints

Could you please let me know if each insurance company uses its own insurance adjuster or do they share insurance adjuster? Our broker keeps on bringing up that 48 buildings were affected in your neighborhood and hence obviously would take time than a single building getting affected. Also, who approves the reconstruction estimate - is it the adjuster or insurance company? How does it work when two or more insurance companies provide coverage to a building?

stlurbanist wrote: ↑

3:35 PM - Mar 12

jonkleinow wrote: ↑

Dec 01, 2025

stlurbanist wrote: ↑

Dec 01, 2025

Does anyone know whom I can approach about delay in processing insurance claims for an HOA?

It might be bad karma for me (an insurance adjuster, but NOT for property) to post this, but here's the link to file a complaint with the state DOI. https://insurance.mo.gov/consumer-compl ... complaints

Could you please let me know if each insurance company uses its own insurance adjuster or do they share insurance adjuster? Our broker keeps on bringing up that 48 buildings were affected in your neighborhood and hence obviously would take time than a single building getting affected. Also, who approves the reconstruction estimate - is it the adjuster or insurance company? How does it work when two or more insurance companies provide coverage to a building?

I don't want to get out over my skis here, but generally speaking, insurance companies have field adjusters on staff who go out to do inspections and write estimates. That said, for "cat events" (catastrophes where many properties are damaged at once due to a disaster), they may hire independent adjusters to write estimates if they don't have sufficient staffing in-house to do the work. The insurance company reviews and approves the estimates written by the staff or independent adjusters. 

I'm honestly not sure how it works if more than one insurance company provides coverage to a single building. I would assume they would need separate estimates to cover whatever portions of the building are covered by each policy -- for example, if one company insures the exterior and one the interior, then they would need separate estimates for each part of the building. 

You can also hire a public adjuster to do the inspections and write estimates for both insurance companies. The adjuster you hire can write estimates for both companies and negotiate with them about what should be covered. You should probably do a lot of research about the advantages and disadvantages of hiring your own adjuster, and I would read through references and reviews thoroughly before signing on the dotted line.

jonkleinow wrote: ↑

2:18 PM - Mar 13

stlurbanist wrote: ↑

3:35 PM - Mar 12

jonkleinow wrote: ↑

Dec 01, 2025

It might be bad karma for me (an insurance adjuster, but NOT for property) to post this, but here's the link to file a complaint with the state DOI. https://insurance.mo.gov/consumer-compl ... complaints

Could you please let me know if each insurance company uses its own insurance adjuster or do they share insurance adjuster? Our broker keeps on bringing up that 48 buildings were affected in your neighborhood and hence obviously would take time than a single building getting affected. Also, who approves the reconstruction estimate - is it the adjuster or insurance company? How does it work when two or more insurance companies provide coverage to a building?

I don't want to get out over my skis here, but generally speaking, insurance companies have field adjusters on staff who go out to do inspections and write estimates. That said, for "cat events" (catastrophes where many properties are damaged at once due to a disaster), they may hire independent adjusters to write estimates if they don't have sufficient staffing in-house to do the work. The insurance company reviews and approves the estimates written by the staff or independent adjusters. 

I'm honestly not sure how it works if more than one insurance company provides coverage to a single building. I would assume they would need separate estimates to cover whatever portions of the building are covered by each policy -- for example, if one company insures the exterior and one the interior, then they would need separate estimates for each part of the building. 

You can also hire a public adjuster to do the inspections and write estimates for both insurance companies. The adjuster you hire can write estimates for both companies and negotiate with them about what should be covered. You should probably do a lot of research about the advantages and disadvantages of hiring your own adjuster, and I would read through references and reviews thoroughly before signing on the dotted line.

appreciate it @jonkleinow appreciate it. can I direct message you the insurance carriers names? my issue is I don't know where the delays are happening. 1 months is a long time for reconstruction to complete.

stlurbanist wrote: ↑

9:43 PM - Mar 14

jonkleinow wrote: ↑

2:18 PM - Mar 13

stlurbanist wrote: ↑

3:35 PM - Mar 12

Could you please let me know if each insurance company uses its own insurance adjuster or do they share insurance adjuster? Our broker keeps on bringing up that 48 buildings were affected in your neighborhood and hence obviously would take time than a single building getting affected. Also, who approves the reconstruction estimate - is it the adjuster or insurance company? How does it work when two or more insurance companies provide coverage to a building?

I don't want to get out over my skis here, but generally speaking, insurance companies have field adjusters on staff who go out to do inspections and write estimates. That said, for "cat events" (catastrophes where many properties are damaged at once due to a disaster), they may hire independent adjusters to write estimates if they don't have sufficient staffing in-house to do the work. The insurance company reviews and approves the estimates written by the staff or independent adjusters. 

I'm honestly not sure how it works if more than one insurance company provides coverage to a single building. I would assume they would need separate estimates to cover whatever portions of the building are covered by each policy -- for example, if one company insures the exterior and one the interior, then they would need separate estimates for each part of the building. 

You can also hire a public adjuster to do the inspections and write estimates for both insurance companies. The adjuster you hire can write estimates for both companies and negotiate with them about what should be covered. You should probably do a lot of research about the advantages and disadvantages of hiring your own adjuster, and I would read through references and reviews thoroughly before signing on the dotted line.

appreciate it @jonkleinow appreciate it. can I direct message you the insurance carriers names? my issue is I don't know where the delays are happening. 1 months is a long time for reconstruction to complete.

Just sent you a PM