USAA – When an Insurer Withholds Information on Auto and Salvage Values

Beat your lying & cheating insurance company to get thousands more $$$ you deserve and paid for with your hard earned premiums for years. Get what you deserve from your accident & personal injury claim.

http://www.mindbites.com/lesson/2605-beat-your-insurance-co-get-thousands-more

August 4, 2008

 

USAA,

 

Your phone call was received, but no previously mentioned questions were addressed, nor answered in your voice message. Please kindly respond in writing as my schedule is very chaotic as I attend to my physical injuries and visit various medical professionals throughout the day.

 

Since you are so confident concerning your salvage facility’s valuations, please kindly provide the name of said facility, along with the full report as to how they calculated the salvage value to my car.

 

As to your comment to reimburse up to $400.42 in sales tax, I need something more definitive and solid.  The language “up to” is very vague, intentionally ambiguous, and unreliable.

 

Since you “value my business and serving all my financial needs”, as you commonly state when concluding all correspondence to me, please kindly show such due diligence to me your fiduciary to whom you are legally and morally obligated. You may begin by providing me:

 

1.An exact amount in sales tax and fees for the replacement car.

 

2.The salvage facility’s name and full report as to how they calculated and arrived at their valuation.

 

3.The language in my USAA policy and the Florida statutes that you are claiming necessitates me forfeiting my car’s title to you.

 

Please show good faith by answering the above in full.  Your neglect in doing so thus far is prolonging the replacement of my insured vehicle (which my entire family relies upon) and perpetuating our pain, while intensely stressing out and burdening my entire family that trusted you our insurer to provide us a replacement car as promised in your policy.

 

Paul F Davis

 

ps. Please do not wait for a phone call to answer the above questions and concerns in writing.

 

 

 

Mon Aug 04 11:02:20 CDT 2008

 

August 4, 2008

 

Dear USAA,

 

Please kindly reimburse us for our next two weeks of rental cars under the uninsured motorist policy, while we wait for your reply to the Department of Insurance Regulation.

 

Your decision to withhold necessary information previously and repeatedly requested is intentionally delaying the process and prompt replacement of our vehicle.

 

I had to say good night and comfort a crying and weeping wife, distressed and demoralized by the fact that her father when visiting us in July spent his last $300 to attend to our car to ensure his daughter had a safe and operational vehicle. Now after being hit by a drunk driver the same day all repairs were finalized, we are being mistreated by USAA our insurer who is failing to exercise the utmost good faith, entirely disregarding our interests, and violating we the fiduciary.

 

Paul F Davis

 

www.PaulFDavis.com

 

 

 

 

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USAA Claims Adjuster – Not Pain Adjuster, Value Diminishers

Beat your lying & cheating insurance company to get thousands more $$$ you deserve and paid for with your hard earned premiums for years. Get what you deserve from your accident & personal injury claim.

http://www.mindbites.com/lesson/2605-beat-your-insurance-co-get-thousands-more

USAA claims adjuster

Handsomely profiting and

Profusely resisting paying up

Fight them with all you can muster!

As they pocket all the annual premiums

Using their hired gun CCC Valuescope

To lowball and dupe the insured like a dope

Use comp vehicles with excessive records

Few are smart enough to check VIN numbers

Remember the insurance industry’s foretold stats

Few hard working Americans have time for that

Overworked and too busy with family to investigate

Therefore there is lots of room to cleverly deviate

From serving the fiduciary with the utmost good faith

Most know without a car unemployment is their fate

Thus most settle quickly and take what scraps they can get

Otherwise their losses increase as they stress and sweat

Meanwhile the insurance giants fill the coffers to overflowing

Greedily denying, depriving, devaluing, and dastardly disgracing

Breaching good faith contracts, withholding requested information

Because making money is insurance companies grand preoccupation

Never mind the means as they employ lies, deceit, and intimidation

Make power plays, burden with paperwork, and bury in bureaucracy

This is what state insurance regulation departments call democracy?

Perhaps hypocrisy and mafia like racketeering is far more appropriate

Is it any wonder lawyers and their firms keep hiring more associates?

Where is the Attorney General while all of this is devilishly going on?

Nowadays it seems nearly impossible to get what is fully do you

Without being heavily lawyered up with seasoned litigators for trial

Insurance companies know most folks can be persuaded to settle

Persuaded to take crumbs rather than to sue a deceitful someone

Yet when will the corporate crooks finally be confronted and fully pay?

It is time for those with righteous indignation to arise and save the day!

Paul F Davis – consumer advocate and minister
www.PaulFDavis.com

Paul F. Davis is a world-changer who has touched over 50 countries & 6 continents building bridges cross-culturally and empowering people throughout the earth to live their dreams!

 

Paul is the author of 14 books. Paul has appeared on numerous internationally broadcast radio shows from Oprah & Friends to Fox News Radio to talk about conflict resolution, peacemaking, foreign policy, and diplomacy. Playboy Radio’s Afternoon Advice host Tiffany Granath calls Paul an “awesome” relational coach and recommends his books on love, dating, and sexuality.

 

Academically outstanding Davis was trained in transformative mediation & conflict resolution (Hofstra Law School); strategic negotiations (Harvard Business School & U. of Washington); advanced interrogation (Reid & Associates founders of the polygraph); and NLP & Life Coaching (NLP & Coaching Institute of California).

 

Paul humorously and elegantly transforms individuals and organizations.

 

Paul’s organization Dream-Maker Ministries builds dreams, transcends limitations, and reconciles nations.

 

Paul worked at Ground Zero in NYC during 9/11; helped rebuild a home at the tsunami epicenter; comforted victims of genocide in Rwanda; spoke to leaders in East Timor during the war; inspired students & monks in Myanmar; promoted peace & reconciliation in Pakistan; and has been so deep into the bush of rural Africa where villagers had never before seen a white man.

 

Paul empowers people to love passionately and live fearlessly.

 

http://www.PaulFDavis.com

 

RevivingNations@yahoo.com

Appraiser King – Property Appraiser serving Central Florida and Beyond

Paul Davis is Central Florida’s favorite and most reputable property appraiser frequently called upon by banks, homeowners, and savvy real estate investors to assess property values.  A builder for over twenty years and also a real estate broker, Paul Davis brings a wealth of knowledge to the table as an appraiser.

Paul’s company Midstate Appraisals serves Central Florida (Lake, Orange, Seminole, Osceola, Sumter and Davenport in Polk counties).

Contact Paul Davis and Midstate Appraisals for your next appraisal:

Office: 352-242-9973

Cell: 352-636-6672

Fax: 352-242-4912

midstateappraisals@earthlink.net

http://www.midstateappraisals.org

Mid State Appraisals is Central Florida’s preferred residential real estate specialist providing high quality, competent appraisals in a timely manner.

President and founder Paul F. Davis is a…

·    State Certified Residential Real Estate Appraiser (License RD # 2667);

·    Licensed Real Estate Broker (License BK # 161133); and

·    State Certified Building Contractor (License CBC # 040794)

·    Over 20 Years of Professional Service to Central Florida

·    Unparalleled Knowledge and Outstanding Experience

·    Efficient, Attentive, and Committed to Clients Needs

Mid State Appraisals is located in the middle of the State of Florida, based out of Clermont (“The Gem of the Hills” and National Triathlon Mecca). We provide professional services to Lake, Orange, Seminole, Osceola, Sumter, and the Davenport area of Polk County. Our services are provided by committed professionals, dedicated to quality work, detailed research, and timely completion of assignments. Expect a speedy, accurate, and no hassle appraisal.

All of our appraisal reports comply with the Uniform Standards of Professional Appraisal Practice (USPAP).

Our staff has 20 years combined real estate experience of appraising properties in Central Florida. We offer competitive fees, service 6 counties, are approved with nearly all major lenders, use the latest in computer technology, provide fast, consistent turnaround time and are licensed and insured by the State of Florida.

 

Contact Paul Davis and Midstate Appraisals for your next appraisal:

Office: 352-242-9973

Cell: 352-636-6672

Fax: 352-242-4912

midstateappraisals@earthlink.net

http://www.midstateappraisals.org

Lower Property Taxes – Central Florida Property Appraisals & Appraiser

As a longtime property appraiser, former home builder for twenty years, and licensed real estate broker I learned something from someone who seemingly was a novice in the real estate market and industry.

My son Paul Jr. lived in Oviedo, FL (Seminole County) at the time when he phoned my Lake County office at Midstate Appraisals and asked me about his recent county home value assessment. I never thought to fight the county, or anyone within the government (local, state, or federal).

My son Paul Jr. however has a bit more chutzpah when it comes to negotiation and doesn’t roll over easily. (It also doesn’t hurt that he was trained in Strategic Negotiations & Deal-making at Harvard Business School.)

Nevertheless I at the time thought he didn’t know what he was talking about and immediately told him, “Don’t even try it. You’re not going to win. Don’t waste your time.” Unmoved, Paul Jr. half-heartedly listened to me and proceeded to ask to speak to another appraiser at our office to get a second opinion.

The office associate asked Paul Jr. how much the county had valued his home for. To which he replied $229,000. Paul Jr. bought the two-story, six bedroom, four bath home with swimming pool a year prior for $223,500 ($6,500 off the asking price which he also negotiated). The county’s assessment seemed like a mild price increase based on the fact that home values have been known to escalate up to $100,000 in a single year in Florida.

Not wanting to discourage him, the associate somewhat agreed with Paul Jr. that he might have a valid point and said he might want to ask the county to remedy the discrepancy. Paul Jr. completed the documentation and phoned the Seminole County property appraiser to dispute the valuation.

As is customary Paul Jr. asked the county appraiser to come out and look at the house for himself and see how poorly the 6 bedroom, 4 bath home was constructed (He learned about construction from me as a kid growing up).

Upon buying the home, Paul Jr. began to notice several minor flaws in the construction. Trivial stuff like poor carpentry on the stairway, settlement cracks on the pool deck, and some drywall gaps around the air conditioner unit in the garage. When the appraiser came out, Paul Jr. patiently walked him through the house pointing out all of these flaws and requested that his home’s assessed value be reduced accordingly.

A few weeks later, Paul Jr. received a letter from Seminole County saying they had agreed to reduce his home valuation to $209,000. Though this kind of adjustment may not be what most homeowners want, my son had his house completely paid off. That being said his tax burden was decreased by $600 that year. Not a bad chunk of change to save for a few minutes of negotiating.

Based on my son’s success, now we not only appraise property but also help in any negotiations with the county property appraiser. For a fee of course.

Paul Jr. learned when reading the fine print of his county property appraiser’s assessment that third parties can represent homeowners when disputing property valuation assessments. I guess you could say through Paul Jr.’s own experience and professional academic training (which cost me a pretty penny), he serendipitously stumbled into a market niche working with his old man.

Incidentally in case you’re wondering if Paul Jr. took a loss when he bought his Seminole County home, not in the least. He owned it for about two-years and sold it for $282,500, above the price my brokerage listed it for (the kid knows how to negotiate), and pocketed a $59,000 profit upon sale.

I wish I could say I taught my son everything he knows. What I can now say however is that we now know the ins and outs of property appraising, which keeps our phones constantly ringing.

Paul Davis is Central Florida’s favorite and most reputable property appraiser frequently called upon by banks, homeowners, and savvy real estate investors to assess property values. A builder for over twenty years and also a real estate broker, Paul Davis brings a wealth of knowledge to the table as an appraiser.

Paul’s company Midstate Appraisals serves Central Florida (Lake, Orange, Seminole, Osceola, Sumter and Davenport in Polk counties).

Contact Paul Davis and Midstate Appraisals for your next appraisal:

Office: 325-242-9973

Cell: 352-636-6672

Fax: 352-242-4912

midstateappraisals@earthlink.net

http://www.midstateappraisals.org

Central Florida Appraisals Property Valuations – Real Estate Appraisal Central Florida

Property appraising historically has taken three approaches:
1. The Cost Approach
2. The Sales Comparison Approach
3. The Income Capitalization Approach

Motivations for acquiring an appraisal are to obtain financing when buying property, determine the appropriate price when selling, to gauge the amount of tax one should pay based on valuation, and as an investor to stay current with market.

Beyond the intangible benefits of material comfort, pride, and security that come from owning real estate is the permanence of land and the attachments thereon. Unlike other assets and investments, land and property tend to appreciate in value, particularly in the state of Florida.

The financial benefits of owning your own home, possessing rental income from investment properties, and capital gains from accrued appreciation over time all make real estate a noteworthy investment be it for family or financial reasons. Nevertheless the speculative nature of anything so commonly owned and so readily emotionally invested in as well give room for fluctuating values based on what the market will bear.

When snow birds and Europeans on vacation in Florida suddenly began buying second homes in the sunshine state, prices began to go up. Years later prices are beginning to level out and decline as the economy slows. Such are factors and variables that effect property values.

Within the residential market, the sales comparison approach is the one most commonly used. This is the approach most counties and municipalities use when assessing home values when it is time to collect property taxes every year. By no means is the use of the cost approach a surprise, considering local governments usually find it increases annually when they collect property taxes.

Knowledgeable homeowners and savvy investors employ property appraisers to help them in the buying, selling, and refinance process as doing so has proven both profitable and prudent.

Paul Davis is Central Florida’s favorite and most reputable property appraiser frequently called upon by banks, homeowners, and savvy real estate investors to assess property values. A builder for over twenty years and also a real estate broker, Paul Davis brings a wealth of knowledge to the table as an appraiser.

Paul’s company Midstate Appraisals serves Central Florida (Lake, Orange, Seminole, Osceola, Sumter and Davenport in Polk counties).

Contact Paul Davis and Midstate Appraisals for your next appraisal:

Office: 325-242-9973

Cell: 352-636-6672

Fax: 352-242-4912

midstateappraisals@earthlink.net

http://www.midstateappraisals.org

Central Florida Property Appraiser – Clermont, Florida (Lake, Orange, Osceola, Seminole, Polk County) Serving All Your Real Estate Needs

Paul Davis is Central Florida’s favorite and most reputable property appraiser frequently called upon by banks, homeowners, and savvy real estate investors to assess property values. A builder for over twenty years and also a real estate broker, Paul Davis brings a wealth of knowledge to the table as an appraiser.

Paul’s company Midstate Appraisals serves Central Florida (Lake, Orange, Seminole, Osceola, Sumter and Davenport in Polk counties).

Contact Paul Davis and Midstate Appraisals for your next appraisal:

Office: 325-242-9973

Cell: 352-636-6672

Fax: 352-242-4912

midstateappraisals@earthlink.net

http://www.midstateappraisals.org

Until recently many states did not require individuals to meet specific qualifications before being allowed to perform appraisals. The Appraisal Institute came about as a result of the need to have professional unbiased estimates prepared by knowledgeable and trustworthy practitioners. Today every state maintains an appraiser regulatory law.

Nevertheless professionalism is not established by memberships, designations, and licenses alone. While a certificate of completion from a one-week course can be a good foundation, it does not always ensure ethical practice on the job. Experience always exceeds education alone.

Beyond the academic training, a professional appraiser also must possess strong communications, investigative, and analytical skills. What good is it if an appraiser has knowledge without the ability to communicate his observations and findings? Orderly, logical, and a grammatically correct manner of communication is equally if not more important.

A professional appraiser is someone who thinks and speaks clearly, possesses sound judgment, and writes client reports in a concise persuasive manner. Ambiguity and inconsistency are unacceptable.

Good appraisers are like detectives always seeking essential information from diverse individuals and sometimes reluctant sources. They are naturally inquisitive, ask hard questions, and enjoy hunting for information. An outstanding appraiser’s objectivity and sensitivity to new trends causes them to be connected and tuned into the heartbeat of the marketplace.

Because market value is often shaped by the needs, desires, and motivations of the marketplace, an appraiser must objectively estimate value beyond their own personal preferences and judgments. Hence a good appraiser must be emotionally detached, reasonable, and truthful.

An experienced appraiser is head and shoulders above the rest, particularly one who has lived and worked in the area his entire life. Only by reason of use, interaction, and ongoing engagement can one adequately assess the current market and predict future changes. This is why it is often best to employ a real estate appraiser who has lived and worked in your area their entire life.

Before choosing an appraiser to work for you, seek out someone who is not only licensed and certified, look also for prerequisite skills and experience. Better yet, if you can find a native born and bred local, someone who really and truly knows your territory and market, he can strategically prep and position you to be one step ahead of the pack.

Paul Davis is Central Florida’s favorite and most reputable property appraiser frequently called upon by banks, homeowners, and savvy real estate investors to assess property values. A builder for over twenty years and also a real estate broker, Paul Davis brings a wealth of knowledge to the table as an appraiser.

Paul’s company Midstate Appraisals serves Central Florida (Lake, Orange, Seminole, Osceola, Sumter and Davenport in Polk counties).

Contact Paul Davis and Midstate Appraisals for your next appraisal:

Office: 325-242-9973

Cell: 352-636-6672

Fax: 352-242-4912

midstateappraisals@earthlink.net

http://www.midstateappraisals.org

Clermont Property Appraiser – Clermont, Florida (Lake, Orange, Osceola, Seminole, Polk County)

Paul Davis is Central Florida’s favorite and most reputable property appraiser frequently called upon by banks, homeowners, and savvy real estate investors to assess property values. A builder for over twenty years and also a real estate broker, Paul Davis brings a wealth of knowledge to the table as an appraiser.

Paul’s company Midstate Appraisals serves Central Florida (Lake, Orange, Seminole, Osceola, Sumter and Davenport in Polk counties).

Contact Paul Davis and Midstate Appraisals for your next appraisal:

Office: 325-242-9973

Cell: 352-636-6672

Fax: 352-242-4912

midstateappraisals@earthlink.net

http://www.midstateappraisals.org

Until recently many states did not require individuals to meet specific qualifications before being allowed to perform appraisals. The Appraisal Institute came about as a result of the need to have professional unbiased estimates prepared by knowledgeable and trustworthy practitioners. Today every state maintains an appraiser regulatory law.

Nevertheless professionalism is not established by memberships, designations, and licenses alone. While a certificate of completion from a one-week course can be a good foundation, it does not always ensure ethical practice on the job. Experience always exceeds education alone.

Beyond the academic training, a professional appraiser also must possess strong communications, investigative, and analytical skills. What good is it if an appraiser has knowledge without the ability to communicate his observations and findings? Orderly, logical, and a grammatically correct manner of communication is equally if not more important.

A professional appraiser is someone who thinks and speaks clearly, possesses sound judgment, and writes client reports in a concise persuasive manner. Ambiguity and inconsistency are unacceptable.

Good appraisers are like detectives always seeking essential information from diverse individuals and sometimes reluctant sources. They are naturally inquisitive, ask hard questions, and enjoy hunting for information. An outstanding appraiser’s objectivity and sensitivity to new trends causes them to be connected and tuned into the heartbeat of the marketplace.

Because market value is often shaped by the needs, desires, and motivations of the marketplace, an appraiser must objectively estimate value beyond their own personal preferences and judgments. Hence a good appraiser must be emotionally detached, reasonable, and truthful.

An experienced appraiser is head and shoulders above the rest, particularly one who has lived and worked in the area his entire life. Only by reason of use, interaction, and ongoing engagement can one adequately assess the current market and predict future changes. This is why it is often best to employ a real estate appraiser who has lived and worked in your area their entire life.

Before choosing an appraiser to work for you, seek out someone who is not only licensed and certified, look also for prerequisite skills and experience. Better yet, if you can find a native born and bred local, someone who really and truly knows your territory and market, he can strategically prep and position you to be one step ahead of the pack.

Paul Davis is Central Florida’s favorite and most reputable property appraiser frequently called upon by banks, homeowners, and savvy real estate investors to assess property values. A builder for over twenty years and also a real estate broker, Paul Davis brings a wealth of knowledge to the table as an appraiser.

Paul’s company Midstate Appraisals serves Central Florida (Lake, Orange, Seminole, Osceola, Sumter and Davenport in Polk counties).

Contact Paul Davis and Midstate Appraisals for your next appraisal:

Office: 325-242-9973

Cell: 352-636-6672

Fax: 352-242-4912

midstateappraisals@earthlink.net

http://www.midstateappraisals.org

Central Florida Property Appraising & Consulting – Real Estate Appraisals in Central Florida

Appraisers ensure that the decisions made by buyers, sellers, government officials, insurers, investors, and others are based on well-informed, carefully reasoned judgment. Therefore appraisers help promote the stable and orderly development of the real estate market.

Appraisers of real property evaluate the utility and desirability of property and estimate its value for various purposes such as purchase and sale, financing, taxation, investment, and insurance. Appraisers consider the utility and value of properties.

An appraisal is nothing more than one person’s opinion based on research in the appropriate given market. That being said, it behooves the consumer to choose an appraiser who is knowledgeable and not merely a newly licensed practitioner. As for myself I was first a home builder for over twenty years, entered real estate brokering, than real estate appraising. This professional progression has been most useful and served me well.

The astute appraiser assembles pertinent and relevant data to which he applies the appropriate analytical techniques to accurately assess value. When these activities are combined with knowledge, experience, and sound professional judgment, the result is vital information and invaluable counsel.

Substantiated by relevant data and sound reasoning, the professional appraiser’s opinion carries considerable weight. The purpose of all appraisals is to estimate the defined value, which may be defined as the monetary worth of property, goods, or services.

Many people are involved in a flurry of real estate activities–buyers, sellers, tax assessors, investors, and insurers–and each has his or her own concerns about real property. That being said there are several different ways to consider the monetary worth of real estate.

When estimating value through the appraisal, the process entails assessing several components — market value, insurable value, investment value, or some other properly defined value of an identifiable interest or interests in a specific parcel of real estate.

Real estate presents both various opportunities and potential problems all of which must be accounted for and fully considered. Before hastily embarking upon anything within the real estate market, it is most advantageous to consider land utilization studies, supply and demand, economic feasibility, highest and best use analysis, marketability, and any proposals for existing development.

The many facets of real property and diverse interests all merge to make for a very delightful and sometimes complicated mix, which makes the appraiser and savvy real estate consultant a most valuable professional with whom to partner.

Paul Davis is Central Florida’s favorite and most reputable property appraiser frequently called upon by banks, homeowners, and savvy real estate investors to assess property values. A builder for over twenty years and also a real estate broker, Paul Davis brings a wealth of knowledge to the table as an appraiser.

Paul’s company Midstate Appraisals serves Central Florida (Lake, Orange, Seminole, Osceola, Sumter and Davenport in Polk counties).

Contact Paul Davis and Midstate Appraisals for your next appraisal:

Office: 325-242-9973

Cell: 352-636-6672

Fax: 352-242-4912

midstateappraisals@earthlink.net

http://www.midstateappraisals.org