Peter Strojnik, a Phoenix Lawyer and Public Adjuster, Discloses New Information

On September 14, 2009, a three member Appraisal Panel issued its Appraisal Award concluding that the loss to a dwellling insured by Farmers Insurance was $369,425.22 more than Farmers' highest estimate.
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* Phoenix - Arizona - US

Nov. 11, 2009 - PRLog -- On July 29, 2008, the home of Peter and Tanya Strojnik burned down.  The Home was insured by Farmers Insurance.

Farmers’ claims adjuster used computer software Xactimate to determine the amount of the loss. Xactimate is produced by Xactware, Inc., a subsidiary of Insurance Services Office.  ISO holds itself out as “a leading source of information about property/casualty insurance risk”.  

“Farmers is upfront about using software to determine the amount of the loss,” said Peter Strojnik, a Phoenix attorney and a licensed adjuster who is closely familiar with the case.  “Farmers freely admits that the software does not provide for the actual reconstruction cost of the actual home, but instead provides ‘the average construction costs’ for the area where the loss occurs. But this is not the bargain the insured has with Farmers:  The bargain is that Farmers would pay for the damage to the insured’s home, not some hypothetical, cyberspace home,” said Strojnik.

Xactimate software used by Farmers determined that the “average construction cost” for the home was $281,104.69, a whopping $369,425.22 less than the actual amount of the actual loss to the home. An independent, 3 member appraisal panel determined that the actual loss to the actual home was $650,529.91!

“There is a lesson in consumerism in all of this”, said Strojnik. “The consumer – insured must be ever vigilant in dealing with Farmers or, for that matter, any other insurer.  Empirical evidence shows that Farmers will not shy away from lowballing the amount of the loss by more than 200%.”

“Farmers, through their intentional use of the estimating software, undervalued the loss by a whopping $369,425.22,” said Strojnik. “How do you deal with that? Insurance Companies have the power, the money and the lawyers.  They hey can financially ruin the homeowner if the homeowner does not accept their lowball offer”, said Strojnik.

About Peter Strojnik:  Peter Strojnik is a leading attorney and a licensed insurance adjuster whose interest is the prevention of insurance fraud both by the insurance companies and by unscrupulous public adjusters. For further information go to or call Peter Strojnik at 602-297-3019.

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Peter Strojnik, P.C., lawyers and adjusters, protects insureds from overreaching by the insurance companies. Our mission is to assure that insurance companies stick by the bargain they have made - play fairly with the insureds and settle claims timely.
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Tags:Insurance, Public Adjuster, Lawyer, Lowball, Farmers Insurance
Industry:Legal, Insurance, Consumer
Location:Phoenix - Arizona - United States
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