SPIN OFF of another topic ...

NEVER have filed a claim ... was flatly denied substantial theft and damages by the a holes that were supposedly buying my northern Michigan property..,,,

Suggestions?

Look in the mirror.Are you as much of a wack head in person as you are here?

Take a hike Dork ....

I got ripped off and you say look in the mirror?

Put THE PIPE down ....

So , what is the full story? Only other thread about insurance was an auto accident.

I will ... my phone is acting up .. will reboot and BBL

FINALLY found someone in late 2016 to attempt to buy my property.. just so happened to be relatives of a neighbor across the road. Agreed on a price and terms and monthly payment.... it was priced RIGHT for them because of their financial situation and because I kept the large garage and barn for storage until I could find a place for it EITHER IN a 40 foot cargo container or a place here in Florida.

Have to do this because this site will cut out sometimes....

Fast forward to March of 2019 .... they are 4 months behind- I say they have to make this up OR I’m putting it on the market with a real estate company. Just get a song and dance and shuck and jive ... give them one more chance ... didn't hear anything back ... so I contact an agent and she contacts them.

SURPRISED when the agent tells me that they’ve will be out by April 1 ....

And they were ! ... BUTTT ... they stole the whole kitchen ....and cleaned out the barn and garage !

So I file a claim with the insurance company - AutoOwners-

Yadi yadi yada ... they deny the claim because they say I was under-insured because the property was occupied with my permission AND THAT the senior agent of the insurance agency had informed me THAT I was under insured.

I was NEVER notified of being under insured as of late 2016 and according to one attorney I talked to and the state insurance commission I should have been made to have signed paperwork that I waive the additional cost and I accept the new conditions.

This senior agent NEVER notified of this situation at any time and since this exploded....she won’t even talk to me.

And something very interesting and TELLING ...when the property was sold on October 5 ... and I cancelled the complete coverage on the property- I was MADE to sign paperwork cancelling the coverage.

Did you get the police involved? Did you sue the renters who stole your stuff and damaged your property? I'm not sure this is really an area for homeowners insurance, seems more like a criminal complaint for theft.

This. Some agencies will pursue something like this. Have documentation, dates, names, list of the stuff missing, etc. And some agencies are too overwhelmed with urban problems or running speed traps to care.

Otherwise, it's sort of on you. Do you know where your stuff and these folks are? Have any good friends?

Which CRACK infested northern Michigan town was this in? I have had fun with drugged out white supremacist sub contractors in northern Michigan. I am sure you stuff ended up on craigslist and is now in some pole barn and used for deer camp. Get in touch with the County Sheriff in that area.

BTDT, at least here it's considered a civil matter.

I should have clarified ONE POINT ...

Involving ANOTHER attorney.....!

I hired an attorney in April of last year to handle 4 diff matters. ONE OF THEM was to find out exactly where these people moved to. AND to contact the county sheriff... he did nothing what he was hired to do.

I have a filing with the State Bar in Michigan that I’ve been told by 2 diff other lawyers that his actions and inactions are potential disbarment.

Also .... to people that have suggested this might be a civil situation and not for insurance...... the owner of the agency - the insurance investigator and the insurance adjuster... have never mentioned this is to be a civil court action

Hey Pinky! Why would you hire an attorney to track somebody? The attorney will hire a P.I. such as yours truly to do the dirty work. Michigan is too far for me to go but I may be able to find somebody for ya....

I don’t understand how this is a civil matter? If you stole something you are a criminal!

Red

You are correct Kevin. But unless it involves a fairly large loss,law enforcement usually puts it on the back burner.

Hay tBoinker .... I hired him to do FOUR THINGS ! Maybe even FIVE ... and that would have been to assist in the closing of the property

So...Did your attorney get anything done?

After typing out a response THIS is what happened... BBL

In a word ... NO..... nothing but read some emails and make a couple of phone calls. No WORK PRODUCT at all.

I have since talked to a friend of a friend who had about the same thing happen to him - EXCEPT he got hit for less $$$. He did nothing for him either ... but feels that because I am 1500 miles away - that this scammer felt he could get away with it.

Then at the end he attempts to attach a bill onto the closing amount - it is flatly rejected- so the next day he goes to the county and files an official lien.

I’m actually GLAD he did that because filing a fraudulent property lien is a felony AND grand theft.