DRJ CLAIMS, Logo
Phone Icon (805) 404-3406

DRJ CLAIMS

INSURANCE CLAIM ASSISTANCE
“We work for you”
805-404-3406

  www.drjclaims.com
1464 Madera Rd #N151
Simi Valley, CA 93065
either-or
601 Rosery Rd. NE 2502
Largo, FL 33770-3900 

DANIEL R. JENKINS
RESIDENTIAL REMODELING SPECIALIST
2nd GENERATION

GENERAL CONTRACTOR
CA LIC 482984 SINCE 1985 - INACTIVE
NOT A PUBLIC INSURANCE ADJUSTER
ESTIMATOR - INVESTIGATOR - EXPERT WITNESS - APPRAISER

WHAT IS INSURANCE FRAUD?
CLICK HERE

NO STATE IS PROTECTING CLAIMANTS FROM INSURANCE COMPANIES’ GREED!
WILL CALIFORNIA BE FIRST TO DO SO?
VENTURA COUNTY DISTRICT ATTORNEY HAS MY CASE AGAINST AAA
 and ACCOMPLICES

COVER LETTER

Click Here

JENKINS_DANIEL_EST

Click Here

SUPPORTING DOCUMENTS

Click Here

OWNERSHIP AUDIT

Click Here

AWARD_JENKINS2

Click Here

DEFENDANTS

Click Here

1. As soon as possible contact your carrier; you want copies of all notes and photographs taken by adjusters/estimators,

2. You want the contractor/estimator/adjuster to e-mail you the Xactimate estimate and any supplements in the Xactware format.

If they ask why, because you want them; you are entitled to them.

3. If you have a contractor, all of his from 1 & 2 above.

4. If it needs to be replaced take a picture, if not sure, take a picture.

Note: we no longer do construction work

Understanding Your Insurance Claim

If you believe that the amount that your insurance company is offering or will offer to restore your damaged property to its condition prior to the loss is less than it should be, you are in the right place!

DRJ Claims has expertise few others have, and we will work to get you the money you need to rebuild your home and your life. We go up against your insurer by directly challenging their intentionally low estimates with detailed cost estimates.

The first priority of every insurance company is to make a profit, and one of the ways they accomplish this is by underpaying claims. The insurance companies have set up a system that deliberately underpays claims all the way through the claim process, from their first visit to your property to the final payment.

When your insurance policy says replacement cost, the insurance companies ignore it. They also ignore state codes, California’s is typical: California Code of Regulations 2695.9 (e) states in part, “The estimate prepared by or for the insurer shall be in accordance with applicable policy provisions, of an amount which will restore the damaged property to no less than its condition prior to the loss and which will allow for repairs to be made in a manner which meets accepted trade standards for good and workmanlike construction”.

 


I KNOW THEIR SYSTEM BECAUSE I WAS A VICTIM OF IT

As a licensed General Contractor since 1985, California License #482984 Inactive, and because of my expertise as a second-generation residential remodeling specialist for over 40 years, I was able to determine not only what the insurance companies and their contractors do but also how they do it. This helped me put together a viable solution to get you the replacement cost you paid premiums for.


MY STORY – MY GOAL IS NEVER AGAIN

There was a fire in my home on October 15, 2009, and my homeowner’s insurance carrier was AAA. The general contractor that AAA brought in to estimate the repairs to my home was Tri-Tech Restoration Co., Inc. Tri-Tech’s original estimate was repeatedly challenged creating eight correcting estimates over 23 months. The insurance industry refers to these correcting estimates as supplements. Not wanting to do more supplements, AAA called for an Appraisal Process to review my entire claim. An Appraisal Panel consists of three people who are to be “competent and disinterested”: one person represents the insurance company, another represents the claimant and a third is the Umpire whose duty is to be neutral. These Appraisers wrote the last correcting estimate, referred to as an Award, adding another 19½ months making the total a ridiculously long 42½ months, after the fire.

After an estimating expert and I completed a thorough investigation, we discovered that many of the entries in these estimates, Tri-Techs’ and the Appraisal Panel’s Award, were forgeries, with ±94% of the Award written by Tri-Tech, not by the Appraisers. Also all the estimates were priced based upon the date of the loss. At the very least, they should have been priced based on the date of payment, with interest, plus any special damages consequential to the fabrications and the late payments. The reason is simple: by law AAA is responsible for the fabrications and for the delays in payment.

The difference between an insurance-paid restoration contractor and a remodeling contractor is not what we do but why. Insurance-paid restoration contractors remove and replace damaged materials while we remodeling contractors remove and replace what the homeowner wants updated. No remodeling contractor under contract with a homeowner could get away with submitting supplements. How do insurance-paid restoration contractors get away with it? The answer is: they are under contract with and indemnified by the insurance companies, AAA in my case.


THERE IS NOT A VALID REASON THE ORIGINAL ESTIMATE WAS NOT REPLACEMENT COST

For structural restoration estimates, the insurance industry uses an estimating program called Xactimate. The company that produces the program is Xactware and is owned by the insurance industry. Virtually everyone who uses Xactimate works for or with insurance companies. The Xactimate expert I work with stated “It is a claim settlement tool, not a reconstruction bid tool”. He also stated “Xactimate is just a tool. A professional estimator can use the tool to provide an estimate that meets the proper standards. Any tool, improperly used, will not yield the desired results.” And possibly the most revealing of all, he said “Brands aren't usually called out (named) in Xactimate estimates.” A 2nd Xactimate estimate was written for my loss but it took a lot of changes to the program, mostly adding materials to match what was installed


WITHOUT BRAND NAMES IT IS NOT A REPLACEMENT COST ESTIMATE!!!

Public Insurance Adjusters, no matter how accurate their estimates are, no matter how correct their argument is, cannot force insurance companies to pay your full claim. After working on dozens of claims, many following the 1994 Northridge Earthquake, I know not one claim was paid in full, and now the insurance companies have made getting replacement costs  more difficult than ever before. The reason: there is no downside for insurance companies who underpay claims or pay them late. The thanks for this goes to our professional politicians who have voted for regulatory limits, thus tying the hands of the bureaucrats working in the California Department of Insurance (CDI) and the Contractors State License Board (CSLB), and this is true in virtually every other state in our Union.

Example of a regulatory limit: If you do not have a contract with a licensed contractor, you cannot file a complaint about him with the CSLB. In Tri-Tech’s estimate to repair my fire damaged home, the first line item “clean door $5.92” is not possible. With just a quick glance at the door, the CSLB investigator agreed but rejected my complaint on the grounds that I did not have a contract with Tri-Tech. This is a catch-22: sign the contract and you’ve accepted the estimate, therefore you have relinquished your right to file a complaint. AAA accepted Tri-Tech’s supplement that included a panel door that was less than my existing front door, the dispute continued.

DRJ Claims has experience that few public insurance adjusters have. We know what to demand, what to look for and where to look. We do not work for or with insurance companies, we work for you. You deserve your claim paid in full. We will do everything we can to make that happen.

Note: In California, in the insurance code, thanks to our professional politicians, there are only 100 days from the date of an Award to file a complaint for fraud. However, in the penal code a complaint for fraud can be filed up to four years after it is discovered and in the insurance code it is three years after it is discovered. Why the disparity? My Award was issued April 30, 2013. As Awards only come at the end of insurance claims, apparently insurance companies have received special dispensation from the law. Also, considering the difference in political power between insurance companies and homeowners, homeowners with claims are being denied due process.  Evidence found ties AAA, Tri-Tech Restoration and the Appraisers together, revealing a conspiracy to defraud. This evidence was so well hidden, my Xactimate expert did not know about it, as it was never discussed in classes he took to learn the program. In an e-mail, he mentioned signing in to use the program. I asked if there is a sign-in log, he said he’d find out. Within the Award, he discovered, on November 2, 2015, a year and a half after the Award was signed, the sign-in log, entitled Ownership Audit. This Award log should show the Appraisers creating the Award and making entries, but it shows much more than that. It shows Tri-Tech's estimator Ray Boykin beginning the original estimate on 10/21/2009 and completing it on 11/5/09. It also shows supplements created by Tri-Tech for my claim, then on 1/17/13 AAA's appraiser  Douglas Jackson took over, Umpire William Bruce Reid made several entries, and then Douglas Jackson completed the Award on 4/24/13. What is on this document proves fraud; the Ownership Audit proves the Award is not the work product of the Appraisers, that it is in fact the work product of Tri-Tech, and the entire process is a conspiracy to defraud.


AAA, TRI-TECH, AND THE APPRAISERS, WITH THE HELP OF OUR PROFESSIONAL POLITICIANS, INTENTIONALLY UNDERPAID MY CLAIM FORCING ME INTO BANKRUPTCY AND COSTING ME MY RETIREMENT

The evidence is now in the hands of the Ventura County District Attorney and the States Attorney General and the California Department of Insurance have copies.

The following declaration not only covers this introduction but all the documents I have written and posted. Those reports written by Andrew McCabe of Claims Delegates are covered by his declaration.

I declare under penalty of perjury under the laws of Florida, that my writings on this website are true and correct.


Executed on November 7, 2017, at Largo, Florida.

Daniel R. Jenkins, Signature
Daniel R. Jenkins



Guy On Fire


AAA
Tanya Ware
Insurance Adjuster

Tri-Tech Restoration Co., Inc.
Ray Boykin
Senior Property Estimator

Schifrin, Gagnon & Dickey, Inc.
Douglas Jackson, VP
AAA’s Appraiser

BTI Appraisal
Ben Tunnell III
My Appraiser

ACS, Inc.
Wm. Bruce Reid, Pres.
Umpire

Dishonorable Mention
Judge Vincent J. O’Neill
Attorneys
Gregory J. Bramlage
Caitlin R. Maurer
Frederick S. Reisz
Christian E. Foy Nagy

Documents


45 Years Doesn't Get You Anything!

DRJ Claims Contract

A New "Game" in Town

YOU need someone representing YOU

OPEN LETTER

States

California

California Fails

Florida

• Massachusetts Gets it Right (Almost)

LIAR, LIAR

Tri-Tech's Estimate

Front Door

Limited Scope Evaluation

Tri-Tech's Combined Estimate

Front Door

Mr. Smith's E-Mail Says

Mr. Smith is wrong

Appraiser's Award

Flooring Analysis

Award Base + A Bedroom with No Door

Conspiracy To Defraud

Award Jenkins 2 Xactimate Audit

Tri-Techs Work Product Not Appraisers

Estimate Audits Examined Signed

Stephen E. Smith, Esq.

Mr. Smith


Get the information you need about insurance and making a claim.
Call (805) 404-3406


About Us

DRJ Claims is a company that began during a devastating time in our lives. Several years ago, we lived through a house fire. When we started making repairs, we discovered that the insurance company had underpaid us. The settlement we received did not cover construction costs, and we ended up filing bankruptcy. We want to make sure that no family goes through the same thing.
 
With the laws that are in place in Thousand Oaks, California, it is very difficult to receive the full value of your claim. We are not lawyers, but we want to show you everything you need to do to be fully compensated for your loss.  


Contact

Thank you for your interest. For questions or comments, please use the information listed here. We look forward to hearing from you soon.

Phone
(805) 404-3406

Hours of Operation
Monday - Sunday, 8:00 a.m. - 8:00 p.m.

Service Area
Proudly Serving Customers in California and Beyond

Share