Must be willing to fight corrupt insurance Goliaths like State Farm! Must be willing to work for free as I have only debt and records left.
Details of the case: Married Female, Visually Disabled, Small Business Owner, opened own business (retail store). 1 1/2 years the store did well and grew. Sometime Mothers Day Weekend 2007 my store was burglarized. Roughly 60% of merchandise on hand was stolen along with money and computer equipment stolen and damaged.
To Date: Police in WI have no suspects. State Farm did a lengthy investigation for 10 months and refused to pay for anything for this period. They refused to replace my special business equipment for the visually impaired that was damaged in the burglary, but yet forced me to provide documents to their attorney, special investigator, and forensic records experts, multiple times. In short I was treated as a common criminal, and forced to participate in their "investigation" and not as a paying customer. In the mean time with no replacement stock back in my 500 sq ft store to sell and many monthly bills accruing, I had to close my store to save my credit and hopefully business. After months of tape recording rude investigators, making complaints to the WI State Insurance Commissioner, and complying with all of SF demands "They decided to pay the claim" so they sent a check for $30.000 for the stolen products and computer equipment. SF then informed us another adjuster would look at the business loss part of the claim. About 2 weeks ago we get a letter from this State Farm Adjuster stating that they had figured up my business loss for the 10 months of them "Investigating this claim" and it was $342 dollars and some cents. I politely informed him that I paid Kinko's Fed X more than that just in the 1000's of document copies SF demanded I provide their investigators. Finally after explaining to him my breached lease cost of $4000 plus dollars and all the other damages they caused me he said "I will turn it over to our lawyer to see what expenses we may be liable for". I think I need a lawyer now...I feel my chosen insurance companies own actions or "lack of" has harmed my business more than the original crime.
Is this legal? How do I fight them when they have costed me everything I own?
I have documented everything and have tape recordings of SF investgators, supervisors and claims agents, plus boxes of documents sent and recieved.
Are there any good lawyers left in this country that care about American Citizens Rights? Post here if you would like more information on this case.
Tuesday, April 15, 2008
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