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Not all companies are created equal and there is no better example of this than Keystone. Your commercial property is part of your identity and taking care of it is ours. Our Project Managers (PM) are truly the best and are supported by a team of teams whose only goal is to help them succeed in making sure that you, our Client, are well-served. Our level of confidence is based on our founding principals as well as the knowledge, commitment, and experience of our staff.
The adjusting arm of this insurance company clearly pursued an avenue of denial and delay of settlement even though the policy clearly provides adequate coverage. This makes the claims process painful for the policyholder and creates a effective deterrent for those who expect their insurance company to settle promptly and fairly. It also allows the insurance company to continue reaping the investment benefits of their Operating Income while the settlement process is being dragged out - instead of fulfilling their obligation as trustee of policyholder premiums.
Contents - Actual Cash Value (ACV)
Nearly all insurance policies pay only the depreciated value of contents. This poses a huge problem for property owners. Does it seem right to receive a check for $30,000 for your damaged/lost belongings when it will cost $90,000 to replace them? Of course not! Nearly all insurance companies offer a fairly low cost-option to cover the replacement of contents rather than Actual Cash Value.
Pick up the phone and fix your insurance policy RIGHT NOW and make sure you have a "RCV" policy! Also, start documenting the property that you own today. State Farm provides an excellent checklist. They also have an excellent Personal Property Form which you can use for any type of loss.