Nope biggest problem is the insured! Get to be friends with an adjuster and you will find out that a lot of homeowners claim are inflated because the insured see nothing wrong with "getting a little extra back" from their insurance company. I worked a storm in a few years back. 1st 6 claims I worked on 4 had inflated claims by both value presented by the insured and outright fraud claiming damage where there was none. One resulted in a prosecution. Most of the adjusters who have been on the job a few years that I know have gotten very jaded about claims to the point where some think everyone is falsifying claims. That's pretty sad. A lot of the time the company pays because it's cheaper than a legal battle or an investigation. Look at the guy who broke into a home and got locked in the garage while the family was on vacation. He survived on dog food an pop that was in the garage. He was convicted and sent to jail but he successfully sued the homeowners insurance company to the tune of 80K
for "physiological" damages. The company at that point paid because it would cost them more than the 80K to appeal. So next time you get mad about the cost of insurance or the adjuster take a close look at your neighbor or perhaps in the mirror.
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Today's Featured Article - Fasteners: The Nuts and Bolts of Nuts and Bolts - by Curtis Von Fange. The nuts and bolts of nuts and bolts is an interesting and essential piece of knowledge that applies to our older tractors. An improperly torqued capscrew on an engine head or a shear bolt that is too hard on the driving shaft of a bushog can create havoc and make an expensive and uncalled for repair. Let�s examine the purpose and design of these fasteners in order to ensure their proper use. Fasteners are probably one of the aspects of mechanics that is given the least amount of thought.
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