Metro Public Adjustment, Incorporated

Metro Public Adjustment, Inc. has received the referenced complaint and has been in contact with the insured.  Metro and the insured have agreed upon a reduced fee on the file and the insured will be withdrawing this complaint.  A letter was mailed to the insured stating as much.  We...

apologize for any past communication issues and look forward to bringing this to a close.  Thank you.

Thank you for assisting us with this matter.  This is the first inquiry into this file, there has been no attempt to contact management until this time.   the insureds policy contains what is known as recoverable depreciation, this means that after the insured completes the repairs and...

submits the required documentation, her insurance company will release the additional funds available, in this case, 779.20. The final payment also reflects a 500.00 deductible which has been subtracted form the payment. It is not unusual for someone to obtain an estimate greater than the estimate of damages, if the insured has an estimate greater than the current valuation, please submit it for review and we can ask for a supplemental payment. Please, if the insured feels like the estimate they have is greater than the current offer, we would like to submit it for further consideration.  I have spoken to our filed adjuster and he has communicated with the insured.  As per his conversation with the insured, we have reduced our fee accordingly and this should be resolved.  Please let me know if this is a satisfactory resolution.

Review: On Jan 13, 2013 I hired [redacted] who works for this company to handle a fire claim that occurred at my property on Jan 11, 2013. To date I have not recieved any compensation for my loss. From Feb 2013 to current, I made numerous attempts to resolve my claim with no success. I filed a complaint with the Department of Insurance on May 30, 2013 regarding this matter, still waiting on a response. I requested for a letter of withdrawal from this company to hire another Public Adjuster to handle my claim with no success. Also request a reduction of fees for the service I have recieved with no success. I feel that I have not been treated fairly in this matter. I have been getting nothing but the run around since I hired this company. Can you please help me in resolving this matter.Desired Settlement: To resolve my claim. Its been over 6 months and to reduce the service fee. The free is 10% I do not feel service was provied for this percentage.

Business

Response:

We are in receipt of your file [redacted]; regarding **. [redacted].

Metro’s response is pending and will be

forthcoming.

Thank you for your assistance in this matter,

Metro Public Adjustment, Inc.

3551 Bristol Pike

Bensalem, Pa 19020

P: ###-###-#### F:

###-###-####

Business

Response:

July 31, 2013

[redacted] Revdex.com

1880 John F. Kennedy Blvd. Ste 1330

Philadelphia Pa 19103

RE: Revdex.com Complaint ID# [redacted]

Metro file [redacted], [redacted]

Dear **. [redacted],

We are in receipt of your file# [redacted] in regard to **. [redacted], received in Metro’s offices on July 30, 2013.

I would like to clarify Metro’s involvement;

**. [redacted] experienced a kitchen fire on January 11, 2013.

Metro was on site on January 13, 2013.

January 15, 2013 Metro notified Certain Underwriters of [redacted] of [redacted] of Metro’s representation January 23, 2013 Metro inspected the property with [redacted]’s affiliate [redacted] Adjusting’s [redacted]

January 22, 2013 Metro received CPR invoice to be added to claim, for securing property February 12, 2013 Metro followed up with [redacted] Adjusting’s [redacted] for his written estimate

March 1, 2013 Metro received written notice from [redacted]’s representatives- Additional Arson Investigation required to ascertain coverage

March 25, 2013 Metro advised Arson Investigator would be submitting his report to [redacted]

April 15, 2013 Metro complaint against [redacted] and their affiliate [redacted] Adjusting’s handling

April 19, 2013 Metro received [redacted]’s agreement for coverage and initial offer for loss; forwarded a copy to insured

April 29, 2013 Metro rebuttal to offer, items lacking

May 9, 2013 Metro followed up for Revised estimate or offer on loss

May 31, 2013 Metro again followed up for Revised estimate

June 3, 2013 Claim update to insured, pursuing [redacted]’s for better offer

June 4, 2013 **. [redacted] complained on delays

June 23, 2013 Received second [redacted]’s Revision; still lacking. Metro continues to negotiate

July 5, 2013 Metro followed up with [redacted]’s for Revised estimate July 17, 2013 Metro again followed up for Revised estimate

July 19, 2013 Metro received Final estimate; forwarded copy to insured

July 26, 2013 Metro office received complaint on delays from insured; responded to **. [redacted]

[redacted]’s of [redacted] Insurance and their affiliates caused delays to the Settlement of this fire loss.

Following the January 23, 2013 inspection of the property with [redacted]’s affiliate, instead of the expected written offer, Metro received a March 1, 2013 notice that additional investigation was needed.

Proceeding, [redacted]’s held up the claim by an additional 45 days for the Arson Investigation before they would admit coverage for the loss.

Once coverage was ascertained, their Field Adjuster, [redacted] Adjusting issued an estimate for approximately half the value of the loss.

Metro fought [redacted] and their affiliates for the best Settlement available under **. [redacted] Home Owners Policy.

Metro persisted against [redacted]’s and their affiliates through the issuance of two estimates or written offers before the third and Final was received.

Metro complained against [redacted]’s handling in April 2013.

**. [redacted] was aware of these delays and the cause of such; he forwarded his own complaint against [redacted] and their affiliates to the Department of Insurance.

Metro has received and forwarded a copy of the Final Settlement to **. [redacted] as of July 19, 2013.

Metro has achieved a Replacement Cost Value of $96,960.05 before deductions; or an Actual Cash Value total of $81,803.94 inclusive of both Dwelling and Contents coverages, with an additional allowance for Additional Living expenses.

This is double [redacted]’s original April offer for the loss.

[redacted]’s Policy requires a Sworn Statement Proof of Loss, or additional documentation to be completed before they will issue payments for this loss.

Now that an agreed estimate has been received this paperwork will be issued by [redacted].

Metro will continue the claims handling until the payments have been received and processed.

Metro did everything it could to force [redacted] to move this claim forward and come to a reasonable Settlement for the damages, and continues to do so.

Metro’s contractual fee is an already reduced 10% of the claims’ proceeds.

If you have any further questions, please do not hesitate to ask.

Thank you,

[redacted] Director of Adjusting

Consumer

Response:

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

Review: [redacted]

I am rejecting this response because:

Regards,

Business

Response:

August 16, 2013

[redacted] Revdex.com

1880 John F. Kennedy Blvd. Ste 1330

Philadelphia Pa 19103

RE: Revdex.com Complaint ID# [redacted] 2nd response Metro file [redacted]

[redacted], [redacted]

Dear **. [redacted],

A Public Adjuster uses their expertise on behalf of the insured’s interests to negotiate the best Settlement available under the Policy’s Coverages for the damage present.

Metro has done a substantial amount of work on this Fire loss to bring it to a reasonable Settlement with [redacted]’s of [redacted].

Metro worked through [redacted]’s delays in ascertaining Coverage, and then through their inexperienced Field Adjuster’s handling of the Fire loss.

Metro received [redacted]’s first written offer in April; this was deficient to the Policy and the damages present. [redacted]’s submitted a second deficient offer; Metro persisted against them to force them to re-elevate the damage.

Metro continued to work against [redacted]’s, finally coming to an agreement on July 19th.

**. [redacted] was aware of these delays; he forwarded a complaint against [redacted]s and their affiliates to the Department of Insurance.

Metro understands this can be a frustrating process, and does its best to move an insurance company along to the best Settlement in a timely manner.

However Metro does persist to make sure it is the best Settlement under the Policy Coverages.

Depending on the insurance company and the Policy an advance is sometimes offered to assist in any delays. [redacted]’s did not offer this.

Currently, the completed, required Proof of Loss form has been submitted to [redacted]s of [redacted] Insurance and their affiliate Curly Adjusting for release of the agreed Settlement payment.

Metro’s standard contractual percentage fee is 35% of the claims proceeds. Discounts to this fee are based on the extent of the damages present.

For this size fire the 10% fee is completely within the industry standard. I have spoken to **. [redacted] and he was comfortable with this.

If you have any further questions, please do not hesitate to ask.

Thank you,

Consumer

Response:

Review: [redacted]

Aug 21, 2013

1880 John F. Kennedy Blvd.

Ste 1330

Philadelphia Pa 19103

Re: Revdex.com Complaint ID# [redacted]

This entire situation has been a nightmare. I assume a public adjuster is hired to negotiate and expedite a claim. I understand to resolve a claim; one must take the necessary steps to negotiate a reasonable settlement. However, this length of time is totally unacceptable. What’s disturbing, I never received any compensation; living expenses. I strongly feel Metro did not provide a 10% service fee.

I spoke with **. [redacted] as an unhappy customer. I was never comfortable or satisfied with the 10% fee. This is why I contacted Revdex.com for assistance in this matter. I expressed my concerns to **. [redacted] but it fell upon deaf ears. Instead I heard a bunch of excuses. Of course Metro will make it seem they had my best interest in this matter. I disagree! For example I returned the Sworn Statement Loss to Metro on Aug 5, 2013. The paperwork was not sent to Curly Adjusting until Aug 14, 2013. Is there a reason for a 9 day delay after I express my concerns?

The cost of Metro services was never communicated to me based on the damages. [redacted] made it very clear the flat fee for a fire loss is 10% of the settlement. **. [redacted] was never present during my conversation with **. [redacted]. Since contacting Revdex.com, [redacted] no longer accepts any of my calls. I am forced to contact the office for any information. Is this fair? But again Metro will find excuses for his actions.

Metro stated [redacted]’s did not offer advancement. This is incorrect. In fact, [redacted]’s of [redacted] stated in their response to the Department of Insurance that Metro never requested advancement for the contents submitted in May 2013.

Bottom line, There’s a lot of finger pointing and no one is willing to accept the blame for the lack of service in this matter. I requested a fee reduction because I am not pleased with Metro service. I hired Metro not [redacted] Adjusting.

Thank you

Business

Response:

August 30, 2013

[redacted] Revdex.com

1880 John F. Kennedy Blvd. Ste 1330

Philadelphia Pa 19103

RE: Revdex.com Complaint ID# [redacted] 3rd response Metro file [redacted]

[redacted], [redacted]

Dear **. [redacted],

To further address **. [redacted] concerns, Metro has waived its 10% fee on the negotiated Additional Living Expenses portion of this loss totaling $7,600.00; this is a fee discount of $760.00.

With the claim’s negotiations complete, Metro continues to work with **. [redacted] in processing the remainder of the claims checks issued. Metro’s fee will be due on the remaining checks.

If you have any further questions, please do not hesitate to ask.

Thank you,

Review: We signed on with Metro PA on February 10, 2013. I contacted **. [redacted] from an internet search. **. [redacted] showed up to my house on Sunday Feb. 10. After hearing his sales pitch, we decided to hire Metro PA. I should have known that there was something shady when he stated that since it was "technically illegal" for him to solicit business on a Sunday that we would have to date the contract for the previous day. Our contract states the start date as 2/9/13. Aside from the shadiness, it technically only gave us 2 days to cancel the contract instead of the required 3. That being said, we didn't think anything of it, since we were having issues with our insurance company delaying processing from our claim from Sandy in October 2012.

We were assigned an adjuster, **. [redacted]. He came out assuring us that things would be taken care of. We were unhappy with the subsequent meetings and called to complain. I contacted **. [redacted] on 3/23/13, 3/26/13, 4/24/13, 5/13/13 via text message which I still have. All received no response. I called Metro on 4/24 and asked to speak to a supervisor. I was told that Metro doesn't have supervisors. The rep stated that by law, all they had to do was send emails to my insurance company. I stated that I was paying them a 25% commission and I was doing all the leg work. I had to contact [redacted]. I had to stay on top of them. I even filed a complaint with the Revdex.com regarding their delay. We heard from [redacted] just days after the complaint reached them. We got nowhere with Metro.

After seeing a Metro Representative soliciting business on the boardwalk during a festival, I spoke with them. I explained the situation. They stated that while **. [redacted] was our representative, **. [redacted] is the person to contact. We contacted him and maintained an open line of communication.

I expressed my dissatisfaction with **. [redacted] regarding Metro PA. He stated that Metro recovered an extra 10,000 from [redacted], so there should be nothing that I am upset with. Technically, I did receive the extra money. I was unhappy that I was the one that had to be calling [redacted] and keeping on Metro. I felt like I did the hard work and they collected the commission.

[redacted] sent out an engineer to view my property located at [redacted]. The engineers report had numerous falsities and errors. I contacted **. [redacted] and asked when we were going to send OUR engineer out. **. [redacted] stated that the engineer is a 3rd party engineer and his report is trusted by Metro. I told him that if the engineer is paid and retained by [redacted], there is no way that Metro should consider him an independent 3rd party. He stated that I could hire my own engineer and retain a lawyer if I wanted.

[redacted] sent out their own contractor to view my property located at [redacted]. **. [redacted] was present for this and said absolutely nothing as [redacted]'s contractor ripped apart the house. I had siding on the western side of my house that was ripped off and destroyed. There was miscellaneous damage to other parts of the siding throughout the remainder of the house. After [redacted] stated that they would pay to have only the western side of the house replaced with new siding, I once again contacted **. [redacted]. He stated that since I had numerous estimates stating that the damaged side could not be matched, they would fight to recover the balance for the remaining siding. He told me to go ahead and use the money I received to replace the siding and the case is still open. This was only a partial payment.

On 6/25/13, I had a text message conversation with **. [redacted]. At 4:14 PM he stated "I just finished a 45 minute conversation with metro for your house(.) you have almost an additional 10k coming." This was after we received the money from [redacted] and began work. He said that just to shut me up. I never received any additional funds.

In conclusion, Metro did recover more funds for us. However, they only recovered some of the damages. They allowed [redacted] to send their own contractors and engineers and simply bargained for a higher pay rate than [redacted] offered. Metro did not recover any funds for any of the damages that [redacted] didn't already acknowledge. The customer service was atrocious. We did all the work and they collected the commission.

All text messages are available for review.Desired Settlement: I either want Metro to refund some of the commission OR get on [redacted] and get our own engineer out there. I would have hired a lawyer initially and sent my own engineers and contractors. I should not have to pay the large 25% commission AND pay a lawyer to fight for the things **. [redacted] promised when forging the date on my contract. I feel like I was scammed.

Business

Response:

Attache please find Metro's response and enclosures to your file [redacted] regarding **. and [redacted]. [redacted]; Metro files [redacted]- [redacted].

Please advise should you have any difficulty in opening the attached files.

Thank you for your assistance in this matter,

Metro Public Adjustment, Inc.

September 3, 2013

Dear **. [redacted],

We are in receipt of your file [redacted] concerning [redacted] & [redacted], regarding Metro files [redacted] and [redacted].

I would like to clarify Metro’s involvement with these losses.

The [redacted]s experienced storm damage on or about October 25, 2012 at two separate properties;

[redacted] and [redacted].

Both claims had already been addressed by [redacted].

Metro agreed these offers were lacking and was retained to re-open these claims to argue against [redacted] for Supplemental payments on behalf of the [redacted]s.

As pertains to property [redacted], Metro file [redacted];

Prior RCV Dwelling portion $4,843.31.

February 25, 2013 Metro notified [redacted] of our representation March 13, 2013 Metro contacted [redacted] for their assigned adjuster

March 13, 2013 Metro scheduling set inspection with [redacted] for March 19th ; confirmed with the [redacted]s

March 19, 2013 Both properties were not inspected; Re-scheduled for this property with [redacted]

File# [redacted], [redacted] & [redacted] March 21, 2013 Metro scheduling set property inspection for April 8th with [redacted] March 37, 2013 Metro scheduling received agreement to moved inspection appointment up to April 1st March 29, 2013 Confirmed inspection appointment with insured

April 1, 2013 Metro meet [redacted] and their contractor [redacted] at property

April 1, 2013 Metro forwarded copy of Metro estimate to [redacted] April 12, 2013 Claim update to insured- pursuing [redacted] for offer/estimate April 18, 2013 Metro followed up with [redacted] for offer/estimate April 24, 2013 Metro followed up with [redacted] for offer/estimate April 30, 2013 Metro received [redacted] contractor [redacted] estimate May 2, 2013 Copy of [redacted] estimate sent to insured

May 15, 2013 Public Adjuster, [redacted] discussed claim with [redacted]. [redacted] and her contractor [redacted].

June 10, 2013 Metro received the [redacted]’s contractor [redacted]’s statement that siding could not be matched; submitted to [redacted]

June 12, 2013 Metro finance received claims check totaling $12,489.37 naming insured, Metro and mortgage company [redacted]; Certified mailed to insured for endorsement

June 22, 2013 Metro received [redacted] siding denial; explanation of payment June 24, 2013 Metro finance received endorsed claims check June 25, 2013 Metro check to insured, less Metro’s fee

As pertains to property [redacted], Metro file [redacted];

Prior ACV Dwelling portion $2,927.10.

February 25, 2013 Metro notified [redacted] of our representation March 7, 2013 Metro contacted [redacted] for their assigned adjuster

March 12, 2013 Metro scheduling set inspection with [redacted] for March 19th ;

confirmed with the [redacted]s

March 19, 2013 Metro’s [redacted] met [redacted]’s representative at loss April 12, 2013 Claim update to insured

April 18, 2013 Metro followed up with [redacted] for offer/estimate

May 21, 2013 Metro followed up with [redacted] for offer/estimate

May 31, 2013 Metro followed up with [redacted] for offer/estimate

June 12, 2013 Metro followed up with [redacted] for offer/estimate

June 17, 2013 **. [redacted] stated to Metro that an [redacted]’s representative erroneously advised him the claim was denied

June 17, 2013 Metro finance received claims check totaling $3,732.43 naming the [redacted]s and Metro

June 19, 2013 Claim update to insured June 22, 2013 Metro received [redacted]s estimate for Supplement; partial denial converted foyer for wear/tear

June 26, 2013 Metro finance received the endorsed claim’s check from insured; Metro check mailed to insured Metro successfully increased the prior offers on both of these losses by over 100%.

For property [redacted]; before Metro, [redacted] paid $2,927.10 for the Dwelling portion of the loss.

Metro negotiated an additional ACV payment of $3,732.43.

For property [redacted]; before Metro, [redacted] paid $4,102.88 ACV; allowing a RCV of $4,843.31.

Metro negotiated an additional ACV $12,489.37 payment.

A Public Adjuster uses their expertise on behalf of the insured’s interests to negotiate the best Settlement available under the Policy’s coverages for the damage.

[redacted] denied coverage for a converted foyer area (bathroom and utility room) at [redacted] and for undamaged siding replacement at [redacted] property.

The damage to the converted foyer area was found to be due to wear and tear and poor construction, not the storm. This is not covered under the Policy.

Metro, with the supporting documentation from the [redacted]’s contractor argued that due to the color match the additional siding should be covered under the Policy for the [redacted] property.

[redacted] has denied coverage for the additional siding.

The siding denial can be further pursued against [redacted] via Suit, should the [redacted]s decide to continue. Metro believes they have a good case against [redacted] under their home Owners Policy.

Please contact me directly to answer any further questions on this loss.

Thank you,

Consumer

Response:

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

Review: [redacted]

I am rejecting this response because:

Metro did not answer any of the questions and concerns I had originally expressed. Maybe I was not clear in expressing what I was upset about. I will simplify.

1. Why was Metros representative allowed to pre-date a contract? I understand I agreed to the contract, but was under extreme duress due to the insurance problems. The contract was signed on a Sunday. **. [redacted] told me he had to pre-date the contract because it was "technically illegal" to sign it on a Sunday. **. [redacted] ensured me that Metro would recover all damages. He told me that not only would Metro recover the money I needed to replace all the siding rather than the one side that [redacted] agreed to.

2. Metro stated that the engineers report regarding the property at [redacted] was impartial and therefore accepted as fact. Metro states that the engineer is a third party uninterested in the outcome. I immediately told **. [redacted] that, since [redacted] was paying for the engineer, they could not be considered impartial. [redacted] would not continue to hire engineers who gave them undesirable outcomes. He told me "don't worry about the engineer". I simply wanted Metro to send their own engineer.

3. **. [redacted] stated that he had a "45 minute conversation with Metro" and that I "will be getting an additional 10k." What ever happened to that? This was after we already received our settlement. I feel that it was simply to shut me up.

4. The response stated that Metro feels I have a good case to recover additional funds, if I pursue it utilizing a lawyer. What exactly did I pay Metro for? On my initial meeting with **. [redacted], he told me that Metro is better than a lawyer and they would recover everything. Mine was an "open and shut case". Why do I need to retain a lawyer to recover what Metro was paid to do? I paid a 25% commission, which is very high. Metro saw me as a sucker and took full advantage of my stressful situation with [redacted].

5. Why was I never involved in any discussion regarding the payouts? I was never contacted during any stage of the recovery process. When asking to speak to a supervisor during my many attempts to contact anyone involved in my cases, I was told that "Metro doesn't have supervisors".

If I need to hire a lawyer to recover additional funds, I will also be active in pursuing action against Metro. From invalid contracts to misrepresentation, Metro has been a disappointment.

Metro's response simply stated what extra funds were recovered, which I acknowledged in my initial complaint. There were no responses to my concerns though.

Regards,

Business

Response:

Attached please find Metro's 2nd response to your file [redacted]; [redacted] and [redacted]. Metro files [redacted] and [redacted].

Thank you for your assistance,

Metro Public Adjustments, Inc.

September 18, 2013

Dear **. [redacted],

I have reviewed **. [redacted]’s rejection.

The **. [redacted] whom **. [redacted] is referring to is an independent contractor; not a member of Metro’s staff.

Any issues with **. [redacted] or improprieties in signing the contract should have been brought to Metro’s attention. Metro’s Public Adjuster [redacted] worked on these claims and negotiated the loss with [redacted]. He was out to both properties and spoke to the [redacted]s on a number of occasions. **. [redacted] was aware of Metro’s work on his two losses, and did not bring up any issues with the contract during our work.

Prior to Metro’s involvement, both claims had already been investigated by [redacted].

Metro had these cases successfully re-opened and re-evaluated with [redacted] and proceeded to increase the actual pay out considerably on both.

For property [redacted]; before Metro, [redacted] only paid $2,927.10 Dwelling.

Metro negotiated an additional $3,732.43; bringing the actual cash Settlement up to $6,659.53.

For property [redacted]; before Metro, [redacted] paid $4,102.88.

Metro negotiated an additional ACV $12,489.37 payment; bringing the actual cash Settlement up to $16,592.25.

These results, additional payments which [redacted] had no intension of paying when **. [redacted] represented himself, is ample proof of Metro’s work on the file.

During an investigation of a loss and the representation of such, should an insurance company require secondary inspections or documentary proof these items are supplied to move forward with the loss’ handling.

Metro inspected or re-inspected both properties with [redacted] contractors; [redacted] for property [redacted], and [redacted] for property [redacted].

Metro reviewed all reports from [redacted] and their contractors concerning the property’s damages.

Property [redacted] to which the Engineer re-inspection was applied was denied for wear and tear and poor construction. Metro is not able to fight such a denial, as no coverage under the Policy exists in this situation.

The denial at property [redacted] for the siding, Metro believes is unfair and coverage should exist under the Policy. When an insurance company stands by a denial, despite Metro’s arguments, Metro may recommend escalating the handling to an experienced Attorney, if the claim is eligible. Metro only recommends this when it is the only and best option left open to an insured, as going to Suit will incur Attorney fees for the insured.

Metro, with the supporting documentation from the [redacted]’s contractor argued that due to the color match the additional siding should be covered under the Policy for the [redacted] property.

[redacted] has denied coverage for the additional siding, and stood by their denial.

The siding denial can be further pursued against [redacted] via Suit, should the [redacted]s decide to continue.

Metro believes they have a good case against [redacted] under their home Owners Policy.

Metro can recommend an attorney to review their case.

Please contact me directly to answer any further questions on this loss.

Thank you,

Review: I filed a claim for water damage in my basement with Metro PA per a recommendation I received from a relative. I was aware that I could file this myself but was assured that to get the best outcome and not have to deal with lots of legal jargon that this company was a good choice. I filed the claim in March 2013. It was rocky from the start. The first Metro representative came in and accessed the damages and she felt confident that my issue would be an open and shut case. She briefly explained the procedure and gave me a contract to sign. I asked her if they were similar to an attorney in a vehicle accident where the cost for your medical bills and car repairs were unaffected by the amount awarded. She said yes that the money would not come from the repairs. Then I didnt hear back from her for a month. I called her and asked her what the next step was she stated that an adjuster would be out to take photos and measurements of the affected area; I asked that she relay to the adjusters that they accomdate my work schedule. I got a call three weeks later from another person who stated my paper work was lost and the only day the had available was a day that conflicted with my work schedule. I took time off from work. The day of the appointment, 30 mins before our meeting time, I receieved a call and was informed that the appointment was cancelled and my paperwork was found. Two weeks following that my insurance company came out with the Metro PA adjusters to access the area. I was informed by Metro that I should know something in two weeks. A month passes and I hear nothing. I contact Metro via phone and email no response. Finally after several phone calls, voicemails, and emails I get a short curt response. The Metro PA representative states that they're waiting on my insurance company. Then I get another call that I have to get an estimate for repairs. I do so and forward the information. Almost two months later my insurance company releases payment and a month later I'm still awaiting payment.Desired Settlement: I would like to be refunded a portion of their fee. The fee is steep and not worth the service provided and unlike what the representative told me is was taken from the repair costs.

Business

Response:

We are in receipt of your file [redacted]; regarding [redacted].

Metro’s response is pending and will

be

forthcoming.

Thank you for your assistance in

this matter,

Metro Public Adjustment, Inc.

3551 Bristol Pike

Bensalem, Pa 19020

Business

Response:

Review: I had a leak from my second floor bathroom that ruined my ceiling in my living room. My friend suggested I speak with her fianc who just started working at Metro. When he was at my home he did his sales pitch including a flip chart and assured me that I "would not have to do a thing! We do all the paperwork and phone calls..." He also said the fee would be up to 35% depending on the size of the claim.What followed has been a nightmare! 3 different adjusters made appointments, changing dates, no-shows and then Mr. John R[redacted] came to my home. He started out like a house on fire and then once MY insurance rep met him at my home he took off for greener pastures...not responding to phone calls and/or text messages. I requested an explanation of my "settlement statement" and about May 1, got a fast-dance-answer by Mr U[redacted]. I still do not understand where the figures came from! I mailed back the requested settlement form which was notarized. At that point I was directed to call Mr R[redacted]'s "office staff" if I needed anything further. I cld May 15th they were looking into it. May 29th I cld and was told my ins co. didn't receive the release form so they were faxing it again. June 9, 10, 13, 22 I called the office and on that last date they said a check was mailed to me the 20th and I should receive it in a few days. On June 27th, still no check so I filed a complaint online to Revdex.com which I found out yesterday apparently is lost. (I do have a copy to prove it was sent stating that I had NOT received the check. On JULY 3rd I recd a letter from Metro and 2 checks which are made out to me AND Metro. I called to ask why and they said that's how they do it. I was advised from an attorney NOT to send them the checks as it took so long to get them, and if I sign and return to Metro I have no recourse for the money! I have a hole in my ceiling since Dec 7th 2013, 2 checks that total abt 6000. and they refuse to answer my calls to settle this.Desired Settlement: As I have lost an immeasurable amount of time calling, being placed on hold, and speaking to numerous people to settle this, not to mention the unsettling aggravation, I am requesting a lower percentage in their "FEE"!10 to 15% would be adequate for the amount of service they provided. I have since seen numerous online complaints, and noted that their "fee" ranges on each of them. How it's determined behooves me and as I singed with a friend I went by what I was told...up to 35%. HELP!!!

Business

Response:

Good morning,

As of 7/22/14 Metro's Controller has spoken with the insured and I believe we have an agreement. I will check with our Controller to make sure and repsond back to you as soon as possible. Thank you.

Business

Response:

Crista M[redacted] <[redacted]>

11:09 AM (34 minutes ago)

to me

I would just like to inform you that an agreement on the above referenced complaint from [redacted] has been reached. Metro has reduced the fee on the claim to 20% and is waiving the fee on the insurance check for $200.00. Any further questions please let me know. Thank you.

Crista *. M[redacted]

Director of Adjusting Operations

Metro Public Adjustment, Inc.

3551 Bristol Pike

Bensalem, PA 19020

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www.metropa.com

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Consumer

Response:

Dear [redacted]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. Please know this agreement was made with the assistance of Cara G[redacted], the Controller at Metro. She and I spoke at length as to the horrible customer service I had received. She was the first to say she was sorry I had such a bad experience with the company and that she would do all that she could to resolve it amicably. The simple words of I'm sorry carry weight to anyone going through a problem, and I very much appreciated her realization of my issues! She made me feel heard, which Mr. U[redacted] did not. I felt as though he was just appeasing me. Cara was helpful in finding the answers to the questions I had, which should have been dealt with/ answered long before this point. I thank her tremendously for all she did!!!Please note I did sign and return the checks to Metro as of Monday, July 28th, yet to date, August 2, have not received my checks. Should I not receive them by next Friday, August 8th, I will notify you as Ms G[redacted] did promise a speedy turn around.

Regards,

Review: June 2011, [redacted], Public Adjuster came to my house to examine my loss. He asked for my Master Deed and Floor Plan. I told him I would have to make copies and send it to him. [redacted] expressed not to hold things up by getting copies made and that he would make sure they were returned. Since the mutual aquaintance who referred me to Metro was present and assured me it would be fine, I agreed. Most likely your questioning why I'm just contacting the B.B.B. now. Situation had it that.... In November 2011, I recieved my check for needed repairs. At that time due to my sister battling cancer I put off anything concerning the repairs for many months. In May I was discussing with my neighbor the repairs being done, which led us to look at the floor plan. That is when I realized they never returned the floor plan or Master Deed. I contacted Metro via phone and they seemed not to have any interest in talking about this issue. I kept calling and eventually was told that at the time of my claim they were doing some kind of reorganizing and files were lost. When I asked what was going to be done about it, they said they would get back to me. I would never hear back so I kept calling asking to talk to management, which they had no interest in speaking with me. I just kept getting the run around so I starting calling to speak with the owners of Metro and that went no where. In late summer I became very sick for months and had to temporarily drop the issue. I started again in November. At this point I finally recieved some feed back from [redacted] and [redacted]. [redacted] sent me information on how to replaced the lost documents. This was not acceptable to me and I expressed that. Metro admitted to losing them, so they need to replace them. December 5th [redacted] left a message on my phone saying that it had been passed to upper management and [redacted] and soon as she recieved a response from upper management she would get in touch with me. It's been over two months and no word from Metro. I have the saved voice mails and other contacts from Metro. I know this was quite long but, wanted to give as much information as possible to give a complete understanding. Thank you for your time.Desired Settlement: That they contact the needed person or office to have the Master Deed and Floor Plan replaced. Pay any Fees associated with the transaction. Have it Delivered and assured that I have recieved it.

Business

Response:

Attached please find Metro's response and attachment for Revdex.com [redacted], Metro file [redacted] for [redacted].

Thank you for your consideration,

Metro Public Adjustments Inc

Consumer

Response:

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

Review: [redacted]

I am rejecting this response because: Metro says in their response dated March 12,2013 quote "Our office has contacted the condominium association to obtain full cost to replace the documents lost." As of my phone conversation today with [redacted] from the condominium association, [redacted], nor has she or [redacted], CPM have been contacted by Metro Pubic Adjustments. Along with the fact that I do not feel I should have to to take any more time or have to take responsibility for costs of possible transportation or printing of these documents. The documents were taken by a representaive of their company, [redacted]. They were lost sometime after that point so I feel Metro is responsible to do any needed leg work to return a copy to me as I gave the original to them. As far as Metro saying they need the originals to file any claim and then saying they never recieved them, doesn't make sense. If that is true then how is it that Metro represented my claim and I recieved a check for the needed repairs to my home.

Regards,

Business

Response:

Attached, please review Metro's 2nd response to your file [redacted], [redacted], Metro file [redacted].

Thank you.

Review: Metro Public Adjustment was hired to assess the damage done to my mothers home after a pipe burst in the crawl space below her condo. They sent one of their agents to come and inspect the damages. Their assessment was completely incompetent. We have had to hire professional structural engineers to come and further assess the damage. The agent Metro sent was only able to see the buckling in the floor. Amazingly he missed the door jams were no longer square, the shower tub had listed to one side so the water now runs away from the drain. I have not had a single day of training but was able to spot these problems in approximately two minuted. As a result the "settlement" with the insurance company was grossly inadequate. In addition, this loss occurred on October 26th. It took until April 30th to have the "settlement" check issued. In the mean time my mother had to reside in a damaged home that has now got a mold issue as a result of the moisture.

This company then continuously called and harassed my mother to quickly sing the check and send it in so they could collect their 35%. ($5,388.38) In a nutshell we have had to hire other very expensive professionals to augment the complete incompetence displayed by Metro Public AdjustmentDesired Settlement: Metro Public Adjustment should not be entitled to their fee. In the end the damage will be closer to $45,000 not the 15,395.38 they were able to find. Since they were only able to find 34,2% of the actual damage they should reduce their fee accordingly. They want to collect $5388.88. 34.2% of that would equal $1,843.60. In the end they should refund my mother $3,544.74

Business

Response:

Thank you for this message. To date this is the firs we have heard of any issue on this claim. We had sent the settlement offer to [redacted] and have never heard back. If thereis an estimate greater than the current offer , Metro would be glad to pursue this. the claim was a coverage decision that ultimately ended up in favor of [redacted] but until the receipt of this message we have not known of any dissatisfaction. I have attached the estimate for your review of 23 thousand plus dollars that [redacted] has agreed to for your convenience. according to this estimate, there is more to be paid once the repairs are complete. A follow up call to the client asking what happened to the check we mailed them may have generated this complaint. We are certainly willing to address any estimates they have and continue negotiating this on their behalf. Bill U[redacted]

Review: My family and I suffered damage to our home during Super storm sandy. We were advised to hire a public adjuster to represent us with our case with our flood insurance policy.Upon meeting with the rep from Metro we were told that our insurace company was going to "rip us off" and that they can get evry dollar we were owed if we hire Metro. We hired them .When our Metro adjuster and flood insurance adjuster met. The metro adjuster was very aggressive to the other adjuster and he almost walked off the job. It was very unproffesional. After that initial contact Metro was unresponsive to phone calls and emails. Then I get a letter in the mail from my flood insurance co and the stated to me that . They will not be influenced by Metro , and they will only settle my case upon the estimate from thier own adjuster. I informed Metro of this and decided to fire them . I did not trust them and my flood insurance co would not deal with them. The case was settled by my insurance company with no input whatsoever from Metro.That was 12 -12 -2012. Now metro is threatening me with an attorney If dont pay them 10% f the settlement. I lost the house . I never reicived any funds from my insurance coDesired Settlement: I dont feel that this company did anything for me . My insurance company would not conduct business with them . I want them to stop billing me for services that were never rendered.

Business

Response:

Attached please find Metro's response and enclosures to your file [redacted], regarding **. [redacted]. Metro files [redacted] and [redacted].

Please advise should you have any difficultly opening the attached files.

Thank you for your assistance in this matter,

Metro Public Adjustment, Inc.

September 15, 2013

[redacted] Revdex.com 1880 John F. Kennedy Blvd. Ste 1330

Philadelphia Pa 19103

RE: Revdex.com Complaint ID# [redacted]

Metro files [redacted] Flood and [redacted] Wind/Rain

[redacted], [redacted]

Loss Property: [redacted]

Current Address: [redacted]

Dear **. [redacted],

We are in receipt of your file# [redacted] in regard to **. [redacted], received in Metro’s offices on September 10, 2013.

I would like to clarify Metro’s involvement in these two claims;

**. [redacted]’s [redacted] property experienced both Flood and Wind/Rain damage due to the Hurricane Sandy Catastrophe on or about October 29, 2012.

As pertains to the Flood loss/ Metro file [redacted];

November 6, 2012 Metro notified [redacted] Insurance of our representation

November 10, 2012 Metro’s [redacted] inspected the property with [redacted]’s assigned adjuster; Simsol Ins. Service

December 5, 2012 Claim update to insured- pursuing [redacted] for estimate

December 7, 2012 Metro followed up with [redacted]’s affiliate [redacted] for estimate

December 31, 2012 Claim update to insured- pursuing [redacted] for estimate

January 23, 2013 Claim update to insured- pursuing [redacted] for estimate

January 24, 2013 Metro followed up with [redacted]’s affiliate [redacted] for estimate

February 13, 2013 Metro followed up with [redacted]’s affiliate [redacted] for estimate

February 13, 2013 Claim update to insured- insured complained on delays to settlement

February 20, 2013 Metro’s [redacted] discussed claim with insured. Insured received payment directly from

[redacted] Insurance totaling $49,653.00 and agreed to pay Metro’s fee on amount, for work done to date.

February 20, 2013 Metro finance billed insured, as agreed

August 23, 2013 Non-payment; Metro forwarded file to Collections Attorney

As pertains to the Wind-Rain loss/ Metro file [redacted];

November 11, 2012 Metro notified [redacted] of the damages

December 7, 2012 Metro advised of [redacted]’s assigned adjuster; contacted to schedule property inspection

December 27, 2012 [redacted] requested Metro’s estimate and photos; no need to re-inspect at this time

December 31, 2012 Claim update to insured

January 4, 2013 Metro estimate to [redacted] Insurance

January 23, 2013 Claim update to insured- pursing insurance company for offer/estimate January 24, 2013 Followed up with [redacted] for estimate

February 20, 2013 Metro received [redacted]’s verbal denial; insured stated he would be pursuing [redacted] via his own attorney. Metro closed its file.

February 26, 2013 Metro received claims check totaling $962.02; Metro endorsed and forwarded to insured; no fees taken.

Due to the Hurricane Sandy catastrophe, industry volume beyond Metro’s control caused delays to the Settlement of these losses. New Jersey Insurance Companies had delays upward 6-8 weeks for Settlement of storm claims during this time.

A Public Adjuster uses their expertise on behalf of the insured’s interests to negotiate the best Settlement available under the Policy’s coverages for the damage.

Metro presented the damages and our estimate to [redacted]’s affiliate [redacted] in November 2012. [redacted]’s February 2013 issued Settlement was a result of Metro’s negotiations.

As per [redacted]’s flood policy, Metro was not named on the [redacted] issued Settlement check.

**. [redacted] received the check directly and then attempted to cancel Metro’s services after these services had been rendered.

Metro did speak to **. [redacted] at the time, and he verbally agreed to honor his contract and pay Metro’s 10% fee on the current flood Settlement.

Metro has not received this payment to date.

$4,965.30, or 10% of the $49,653.00 Settlement remains outstanding and due for this file.

Metro initially billed **. [redacted] in February 2013; Metro forwarded this file to a Collections Attorney in August 2013 for non-payment.

If you have any further questions, please do not hesitate to ask.

Thank you,

[redacted] Director of Adjusting Metro Public Adjustments INC.

Consumer

Response:

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your [redacted] will be closed Administratively Resolved]

Review: [redacted]

I am rejecting this response because:

I was told by The [redacted] adjuster that they will not consider any input from Metro ,that they ([redacted])are the adjuster and that Metro will not have any input to the outcome of this claim . When I called Metro about this they ignored my concern. I was told by the Metro rep that I signed a contract and I owe them 10% . I was lied to by Metro. They had no influence on my claim .I Had to give check to the bank because I lost the property.Merto Public Adjusting is a scam preying on unfortunate people who suffered a loss.

Regards,

Business

Response:

Attached please find Metro's second response to your file [redacted]; regarding [redacted], Metro files [redacted] and [redacted].

This [redacted] is not valid.

Metro Public Adjustment, Inc.

September 18, 2013

Revdex.com

1880 John F. Kennedy Blvd.

Ste 1330

Philadelphia Pa 19103

RE: Revdex.com Complaint ID# [redacted] 2nd Response

Metro files [redacted] Flood and [redacted] Wind/Rain

[redacted], [redacted]

Loss Property: [redacted]

Current Address: [redacted]

Dear **. [redacted],

I have reviewed **. [redacted]’s rejection.

The statement that [redacted] did not work with Metro or use our estimate of the damages in preparation of their own is erroneous.

Metro presented the damages and our estimate to [redacted]’s affiliate [redacted] in November 2012. [redacted]’s issued Settlement in February 2013 was a result of Metro’s negotiations with [redacted] and Metro’s submitted estimate.

As per [redacted]’s flood policy, Metro was not named on the [redacted] issued Settlement check.

**. [redacted] received the check directly and then attempted to cancel Metro’s services after these services had been rendered.

Metro did speak to **. [redacted] at the time, and he verbally agreed to honor his contract and pay Metro’s 10% fee on the flood Settlement, totaling $49,653.00.

Metro has not received this payment to date.

Metro’s contractual 10% fee of $49,653.00 Settlement is $4,965.30. The fee remains outstanding and due for this file.

Metro initially billed **. [redacted] in February 2013; Metro forwarded this file to a Collections Attorney in August 2013 for non-payment.

This complaint is not valid.

If you have any further questions, please do not hesitate to ask.

Thank you,

[redacted] Director of Adjusting Metro Public Adjustments INC.

Consumer

Response:

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your [redacted] will be closed Administratively Resolved]

Review: [redacted]

I am rejecting this response because:

There was no negotiation between Metro and [redacted]. [redacted] sent me a letter that they have there own adjuster and Metro will have no influence on the outcome of the settlement. Metro could have sent hundreds of photos and documents to [redacted] for all I know . I was not in the loop. I should have have followed my gut instinct and not went with a a public adjuster. I am very pleased with my desicion to not pay Metro as again they had NO influence whatsoever on my claim. Metro should be ashamed that they push sales people into disaster areas on the promise of being an advocate against the insurance companies when [redacted] was nothing but responsive and honest.Metro should be ashamed.

Regards,

Review: Company signed on as our claims adjuster to represent us with our home owners insurance company for damage that we had in our home and our roof. The initial claim was done, and completed for the damage in the home, but only partially for the roof. The adjuster and insurance representative made an appointment to see the home when my husband could be home to let them in, and assessed the damage inside, but did not go up on the roof. Ultimately, the settlement was not enough to complete the roof. When my husband and I signed on for them to represent us in this process, we were given documentation that said if the settlement we received further negotiations may be necessary for maximum settlement. The adjusters fee was 25% of the settlement, which they collected from the initial settlement of $3827.79. We reached out to the adjuster after that settlement with our concerns that the settlement was not enough to fix our roof, and could they have someone go o the roof to actually see the missing tiles, and renegotiate with the insurance company. The adjuster indicated that we didn't know what we were talking about, and after that did not return our calls. We reached out to the main office, but no one returned our calls, or took our messages. We then on our own got a roofer to assess our roof, of which he took very detailed notes and pictures and with that information we approached the insurance company ourselves, they sent out an independent contractor and determined that the settlement was insufficient and awarded us a bigger settlement. However, because we had originally signed with Metro, the check was made to both parties. Metro although they did not help us with this second settlement decided to take 25% of the new check we received for $7,712.50. We have sent them a letter but no one has not responded, so we are making this complaint, because we feel that they should not have taken 25% from the second settlement since they did not help us acquire it.Desired Settlement: We would like Metro to refund us the 25% that was taken from the second check. of $7712.50.

Business

Response:

May 5, 2014Dear **. [redacted],We are in receipt of your file# [redacted] in regard to **. [redacted], received in Metro’s offices on April 25, 2014.I would like to clarify that Metro has already discussed the claim with **. [redacted] and have settled his concerns to **. [redacted]’s satisfaction. It is our understanding that **. [redacted] will be withdrawing his complaint.**. [redacted] experienced Wind/Rain damage to his [redacted], New Jersey address during Hurricane Sandy, on or about October 29, 2012. Metro was retained to represent the [redacted]s concerning this loss in February 2013. Due to the [redacted]s’ schedule Metro was not able to inspect the property until March 28, 2014, at which time we began our representation.April 15, 2013 Metro notified [redacted] Insurance of our representation of the damages April 15, 2013 Metro was advised of [redacted]’s handling adjuster and contacted [redacted] for an inspection appointmentApril 29, 2013 Metro scheduling set a property inspection with [redacted] for May 1, 2013 April 30, 2013 Metro scheduling confirmed inspection with the [redacted]s May 1, 2013 Metro’s Joseph [redacted] inspected the loss with [redacted]’s handling adjuster June 3, 2013 Metro contacted [redacted] Insurance for their estimate for loss June 24, 2013 Metro again contacted [redacted] for their estimate June 28, 2013 Metro received [redacted]’s estimate or offer on loss July 13, 2013 Metro finance received $3,827.79 check from [redacted], naming [redacted], [redacted] and Metro; forwarded to insured for endorsement July 30, 2013 Metro finance followed up with the [redacted]s for check processing August 7, 2013 Metro’s [redacted] discussed claim with the [redacted]s; requested insured’s contractor estimate for roofingAugust 7, 2013 The [redacted]s advised they lost the $3,827.79 [redacted] check; Metro requested [redacted] to re-issueSeptember 5, 2013 Metro again spoke to [redacted] to have lost check re-issued September 13, 2013 Metro finance received re-issued $3,827.79 check from [redacted]; forwarded to insured for endorsementSeptember 23, 2013 Metro’s [redacted] again discussed claim with the [redacted]s; requested insured’s contractor estimate for roofingOctober 2, 2013 Metro finance followed up with insured for processing of $3,827.79 check October 8, 2013 Metro finance received $3,827.79 check endorsed by insured; Metro check mailed to insured, less Metro’s feeMarch 6, 2014 Metro finance received check for $7,712.50 naming [redacted], [redacted] and Metro already endorsed by insured; Metro check mailed to insured less Metro feeMarch 12, 2014 Metro office logged receipt of a written complaint from insured April 25, 2014 Metro received Revdex.com complaint April 30, 2014 Metro management contacted insured to discuss claimMetro achieved a settlement of $6,728.36 before deductions resulting in an Actual Cash value settlement of $3,827.79 with an additional $1,900.57 available as a supplement with proof of applicable repairs. This settlement included a 10.35 square roof repair. The [redacted]s advised Metro their contractor believed a full roof replacement was needed. Metro’s [redacted] discussed this with the [redacted]s on multiple occasions, advised that he would be able to re- address the full roof with [redacted] and requested their local contractors’ estimate as proof to submit to [redacted] to get the full roof addressed as a supplement. It is common for insurance companies to require additional evidence, or local contractors’ estimates to re-evaluate their position on a claim in this manner.Metro did not receive the requested documentation to address the full roof.The [redacted]s instead submitted directly to [redacted] Insurance, whom despite Metro’s retainer did not advise Metro of their agreement to re-inspect the roofing based on that submitted estimate. [redacted] finance however did name Metro on the resulting check; which was processed through our syste** in one day when the [redacted]s forwarded the endorsed check to Metro’s finance team.I have discussed the circumstances with the [redacted]s directly and while Metro’s contract states our fee is applicable to any check issued on the claim, I have issued a refund of $1,500.00 to them. I have also agreed to withdrawal Metro from any further supplements, and any interest in the already negotiated $1,900.57 depreciation amount. The [redacted]s have agreed to this settlement and have advised they will be withdrawing their complaint.If you have any further questions, please do not hesitate to ask.Thank you,

Consumer

Response:

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved] Review: [redacted]I am rejecting this response because:

The details given by **. [redacted] is not completely correct, and when I spoke with him he agreed that I did have a legitimate complaint, as his representative did not respond to us in a timely manner. However, it appears that the precise time frame that we are disputing **. [redacted] is implying that it was because we did not submit the estimates for the full roof repair to his representatative **. [redacted]. I am attaching copies of emails that was sent to **. [redacted] at his request with those estimates on 8/13/13 via email. Also after we did not get a response from him we reached out via telephone and left messages on several occasions with no response. We then acquired the pictures that had been taken by one of the roofing companies and submitted those for further evaluation to **. [redacted] on 9/27/13. A call was placed as a follow up to make **. [redacted] aware that pictures had been submitted for his review and for him to use in assisting the insurance company with the reevaluation, but again we did not get a response. After two months of waiting we decided to reach out directly to the insurance company, and we spoke from that point with [redacted] sent her the same pictures we had sent to **. [redacted]. **. [redacted] then arranged for an independent contractor to come out ad reassess with their own pictures.

I would appreciate if **. [redacted] make a correction to you regarding this point in the complaint. I do not appreciate the implication that we are not telling the truth. His account of the series of events unfolded are inaccurate, and I would like for him to correct that information in your files, by addressing the copies of the emails we have attached to substantiate our complaint. Thank you for your prompt responseinthis matter.Regards,[redacted]

Business

Response:

May 14, 2014Dear [redacted],We are in receipt of your additional file# [redacted] in regard to **. [redacted], received in Metro’s offices on April 14, 2014.Metro meant no discourtesy to the [redacted]s on our official response to the Revdex.com office. Our response was, as required, a reiteration of the claims’ progress, as stated in my office file. The [redacted]s, in their response state that they forwarded roofing photos and contacted Metro’s Public Adjuster [redacted] on many occasions to discuss the roofing supplement. However, my file shows that Metro did not receive the written roofing company’s estimate, which had been required and requested for Metro to work on a supplement.I would like to clarify that, as discussed with the [redacted]s previously, Metro took responsibility for this misunderstanding. Metro has acknowledged that errors occurred in the handling of the roofing supplement, and in acknowledgment of that fact did issue a refund check via [redacted] overnight to the [redacted]s totaling $1,500.00 on May 2, 2014, which was delivered to the [redacted]s on Saturday, May 3, 2014, at Metro’s expense. Further, in acknowledgement of errors and as agreed with the [redacted]s, Metro officially withdrew our representation of the loss; releasing our interests in the already negotiated depreciation amount, up to $1,900.57. Should the [redacted]s claim against [redacted] for this supplement amount, Metro will not be named on that payment.I had discussed the complaint and my offer of resolution directly with the [redacted]s prior to May 2, 2014 and believed this matter to be addressed to the [redacted]s satisfaction. The [redacted]s deserve the utmost consideration for their understanding of this matter.Thank you,