Can you tell me if this is a common practice with the insurance company and why they are asking me to produce something that they have been aware of from the beginning of the claim that I cannot provide? Also can you tell me if I will be responsible for paying an attorney because I cannot afford to do so and if you are able to reccommend a lawyer in the michigan area greater Detroit) that is willing to get paid from the settlement or is this uncommon?
Hi Mr. LegalBeacon,
I received a letter from State Farm that Stated the following:
There is a question as to whether State Farm Fire and Casualty Company is obligated to idemnify you under the policy for loss which is alleged to have occurred on or about March 6, 2013 at...(my address), because:
There is a question as to whether you have concealed or misrepresented any fact material to this insurance, whether before or after a loss.
For this reason(s) and for any other reasons which may become known, you are hereby notified that any action taken by State Farm Fire and Casualty Company or it's authorized representatives to investigate the cause of loss, determine the amount of loss or damage, or attempt to adjust any claim arising out of the alleged loss shall not waive any of the terms or conditions of the policy of insurance described above, nor shall such action waive any of your rights under the policy. If we do not hear from you to the contrary, we will assume that it is acceptable for us t continue handling the case on these terms.
The company does not intend by this letter, to waiave any polocy defense in addition to those stated above, but specifically reserves its right to assert such additional polocy defenses at any time.
Can you please explain what this letter is? I had a converstion with my adjuster the last time that we spoke and told her not to pursue my deceased lover's family because it was a private relationship and I would not want to open up something about their loved one that they were not privvy to prior to her death. This letter would have reached me before I put the letter in the mail that you advised me of. I thank you for helping me thusfar. Please help me to understand this. Again, their agent told them that at the beginning of the policy I supposedly said that the jewelry belonged to my husband. If that were the case I think it would have been easier to have my husband to vouch for the jewelry as opposed to a deceased woman.
Thank you for your reply. So at this point what do I do just sit back and wait? I mailed them their certified letter this past Saturday asking for resolution of claim by May 7,2013. Even if State Farm talks to my deceased lover's family and they have no knowledge of our relationship or any other details would this be a cause for them to deny my claim?
Also please explain what you mean when you say : They only have a right to explain the loss, but not the ownership.
Thank you again.
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