When we bought our homeowner’s policy in 2000, our agent said, “Chubb is different. It is expensive, but if you ever have to make a claim, you’ll see why it was worth it”. She was right! While no one wants a 90’ tree to land on their home, Chubb’s response was incredible.
Everyone on our claim - from the people who provided a temporary roof, to the technical movers, to our entire team at Borden Perlman - was professional, respectful, and highly attuned to satisfying us.
The tree crushed the roof, walls and ceiling of our second floor. To make it even worse, Dave was home when the tree hit. It missed him by inches.
As soon as the accident happened, we called Borden Perlman. They took it from there. They called Chubb, and Chubb brought in structural engineers and building experts to ensure that our house could be repaired equally as well as it had been originally built. They paid our claim in full immediately, and never quibbled. Borden Perlman made arrangements for a technical moving service to pack, label and remove 150 boxes of our possessions from these rooms to local storage while our general contractor removed the tree debris, and rebuilt our home. The Chubb people called frequently to monitor how happy we were with the progress. Borden Perlman staff stopped over to visit and monitor our progress, as well. If there is anything positive we can report about this disaster, it is that we were treated to the finest, most professional service we could imagine receiving from Chubb, and our agents, Borden Perlman.
During a severe 2017 lightning storm in Florida, our insured's "smart" home lost all power. With touch screen panels and keypads in every room, the entire system needed to be replaced, including pool equipment and outside speakers. Borden Perlman had to act quickly and efficiently so their home could regain power. Within two days, a $25,000 advance claim payment was issued. Within four days, an electrical engineer inspected and justified the damages. The insured received approximately $80,000 in claim proceeds and was hosted in a hotel while their smart home repairs were completed.
In the Spring of 2014, our insured, a storage company in Somerset County, New Jersey, was sued by an employee. The insured had the opportunity to resolve the matter expeditiously for a nominal amount. When the supporting documents were submitted to the carrier, reimbursement for the defense costs and settlement were declined. After escalating the situation and working with the carrier, we were able to come to a favorable resolution for this unusual situation and the insurance company reimbursed the insured.
Personal lines insured in Middlesex County, New Jersey was sued by a household employee, in the summer of 2014. The employee made various employment practices allegations. This was an extremely delicate situation that needed to be handled quickly and with extraordinary sensitivity. Additionally, there were some coverage and liability issues. Borden Perlman worked closely with both the carrier and the insured to come to an expeditious resolution all parties could agree upon.
In November 2012 our insured, a security firm in Middlesex County, New Jersey, was brought into a bodily injury suit via 3rd party complaint. When the suit settled in October 2014, the carrier asked for the insured’s deductible that applied to this coverage. While the insured paid the deductible, they felt they had done everything right, everything they were supposed to do. Borden Perlman and the carrier’s claims and underwriting departments partnered together to achieve a favorable outcome. In November 2014, the carrier returned the insured’s deductible.
During the 2014 winter catastrophe, our insured, a Non-Profit behavioral health facility in Union County, New Jersey, suffered roof and water damages to their premises, as a result of the freezing and thawing of ice. The carrier declined coverage. When Borden Perlman received the declination, we immediately reached out to the insured to discuss our strategy to prove there was a covered loss. After submission of an appeal, with various documents supporting our position, and the carrier’s engineer’s inspection, they stood by their declination. At that point, the claim was escalated internally and Jeff Perlman stepped in to assist. After much back and forth, subsequent site visits, and clarification of the engineer’s findings, the declination was finally reversed and the insurance company paid the claim
During the 2014 Ice Catastrophe that devastated the Eastern seaboard, from Georgia to Maine, a Real Estate company suffered water damage resulting from pipe bursts at several locations; Greenville County, SC, Iredell County, NC, and, Cobb County and Fulton County, GA. Each of these locations carried a large deductible, which would have translated to a six figure financial consequence to the insured. Borden Perlman jumped in immediately and was able to prove that because the catastrophe was one occurrence, although occurring over several days, one deductible applied, inclusive of all five affected locations.
In 2013, on Christmas day, a Real Estate company suffered a large fire loss to their Wake County, North Carolina location. As the result of unusual ordinance code requirements in this municipality, the costs involved to obtain all the necessary information to obtain the permits to complete the repairs were exorbitant, outside the ordinary. Taking note of this, Borden Perlman worked behind the scenes, with both the insured and the carrier’s underwriting and claims departments, to ensure the right items were considered under the Ordinance and Law coverage, that all policy enhancement limits were applied properly, and that those limits were sufficient to complete the repairs. This matter was resolved in it’s entirety by November 2014, with the total amount paid at $204,512.29.