On August 11, 2013 at three in the morning we woke up to loud banging sounds in our home. We thought that someone was breaking in and immediately called 911. I went to look out the front window and noticed, in the neighbor’s window reflection, that the garage was on fire. We grabbed our son and dog and walked out the front door at which point the garage basically blew up.
As we sat across the street watching everything we have worked for go up in flames we had no idea what a long journey this would turn out to be.
We had just bought the home in March of that year and now in just a few months we were homeless. As neither of us had any idea where to start and we had people coming at us at all directions. One thing we decided to do was to hire a public adjuster to help us sort through this claim. Hudson Douglas Public Adjusters, Doug Waldie is the owner and he informed us that his job was to get us the entire amount due to us from the insurance company to make us whole again.
Our homeowner’s insurance company was at the house later that morning and assured us all would be fine. She told us they have someone that will be coming in to document our loss and remove and clean any belongings that could be salvageable.
From the first meeting with HDPA I explained that I build houses for a living and ((REDACTED BASED ON FINDINGS VIA COURT ORDER)). Doug Waldie, the owner of HDPA, solicited our business for the construction of our home. He also owns ARC Construction. ((REDACTED BASED ON FINDINGS VIA COURT ORDER)).
HDPA started negotiations with the insurance company and on December 24, 2013 received the check for the rebuild of our home. After this we met with HDPA multiple times going over the plans for the home. We were told that their friend was an architect and would draw the plans up for us. The first plans had a lot wrong. ((REDACTED BASED ON FINDINGS VIA COURT ORDER)). After several weeks the next plan came back in which the HDPA decided to add about 5 foot to our living room. We never even mentioned this. However at this point, were getting ancy to start building and return home. We agreed to just go ahead so that there would be ((REDACTED BASED ON FINDINGS VIA COURT ORDER)).
HDPA received the first draw from our mortgage company in February of 2014. However they did not even start building until the last week in September. We met with ARC and HDPA at the property numerous times going over the plans for the home and discussing the fact that ((REDACTED BASED ON FINDINGS VIA COURT ORDER)) and what I wanted ARC to do. Over and over I heard, “you’re the boss George, it’s your house I work for you just let me know what you want me to do.” In March of 2014 HDPA ((REDACTED BASED ON FINDINGS VIA COURT ORDER)). ((REDACTED BASED ON FINDINGS VIA COURT ORDER)).
Since we hired HDPA they were the only ones allowed to talk to the insurance company. Later we found out the insurance company had requested information and documentation regarding our clothing and contents which we not made aware of until April and the letter was given to them in January 2014. We also got emails from the insurance company stating that the house was still not even started ((REDACTED BASED ON FINDINGS VIA COURT ORDER)).
Since HDPA’s ((REDACTED BASED ON FINDINGS VIA COURT ORDER)) the insurance company has graciously paid an additional 3 months on our rental and mortgage, it has now been over a year and the house is just a shell.
I stated I wanted to frame the house however HDPA and ARC Construction ((REDACTED BASED ON FINDINGS VIA COURT ORDER)) and one day I rode over to the property to find out the framers were almost done framing the house. When I stated that I wanted a meeting a meeting to discuss this situation ((REDACTED BASED ON FINDINGS VIA COURT ORDER)).
The entire situation caused a lot of stress in our house and I ended up going and staying with a friend for a while. My girlfriend however handled all the paperwork on this claim and kept track of monies and was working on the contents list that was prepared by Integrity Restoration, the company our insurance company hired. This also was a catastrophe. After several months they sent us a list saying all our belongings were valued at $55,000. Even though the staff was unknowledgeable about most of the tools we had. It was like they just made up numbers. We worked on the list for months and came up with our contents were valued at over $200,000. We met with the owner of the company showed her numerous discrepancies and she finally agreed it was a horrible job they did. Then we find out Integrity is charging us to write these bogus numbers down, their fee was $44,000 and according to her, our entire house of stuff was worth $55,000. When we brought this to the attention of HDPA we were told that we could negotiate that fee and they would take care of all this when they got to the contents portion of the claim.
HDPA would bring us checks to sign or give to us. Some were for the mortgage on our burnt home some were for the pool service some for me to sign. Every single time they brought a check to us we would ask, “What is this check for?” HDPA was ((REDACTED BASED ON FINDINGS VIA COURT ORDER)). ((REDACTED BASED ON FINDINGS VIA COURT ORDER)). ((REDACTED BASED ON FINDINGS VIA COURT ORDER)). ((REDACTED BASED ON FINDINGS VIA COURT ORDER)).
I have requested a copy of the scope to see how much money was allotted for each part of the rebuild. HDPA’s ((REDACTED BASED ON FINDINGS VIA COURT ORDER)). When I asked them about it they acted surprised and said they would get it to me. ((REDACTED BASED ON FINDINGS VIA COURT ORDER)). It was not a mistake. I also requested a breakdown of what all the funds have been used for specifically. HDPA nor ARC Construction has provided to me yet.
Knowing that my girlfriend had been handling all the paperwork part of the claim and all the contents items and that I was staying with a friend for a bit, HDPA’s ((REDACTED BASED ON FINDINGS VIA COURT ORDER)). HDPA came to me and said this is the best deal you’re going to get and to sign this paper. Only later did I find out this ((REDACTED BASED ON FINDINGS VIA COURT ORDER)). HDPA told me this ((REDACTED BASED ON FINDINGS VIA COURT ORDER)) to get this over with and just sign. This was a ((REDACTED BASED ON FINDINGS VIA COURT ORDER)). Instead they made false statements to me to get me to sign the release thus ((REDACTED BASED ON FINDINGS VIA COURT ORDER)), and without thousands of dollars that we were still owed.
At the most recent meeting I informed HDPA and ARC construction that I would be finishing up the house and that is when I was told for the first time that it would cost me a lot of money to get ARC construction off the job. Yet day in and day out I have been repeatedly told that whatever work I wanted to do on my home was not a problem just let them know. ((REDACTED BASED ON FINDINGS VIA COURT ORDER)). I was told over and over no need to do that ARC construction has no problem with you doing that.
HDPA’s told me that ((REDACTED BASED ON FINDINGS VIA COURT ORDER)) should have charged around $18,000. However when I talked to their attorney and he contacted HDPA’s they changed their story and said $44,000 was in line with industry standard. ((REDACTED BASED ON FINDINGS VIA COURT ORDER)) the insurance adjuster offered it up as though that’s just something they provide in the case of a catastrophe.
A couple days later I go to the house and even though I told ARC construction I would be finishing up the house he had a crew out there finally working. I pulled the owner of ARC and HDPA aside and asked to talk to him. I again asked if they gave my girlfriend this check for $11,000 he said yes. My girlfriend came with me and stated right there that he was not being truthful. The owner says “I don’t have time to talk to you I have work to do.” SO I told him to get off my property.
HDPA and ARC construction have ((REDACTED BASED ON FINDINGS VIA COURT ORDER)) since the beginning of this claim in order to pocket our money. HDPA and ARC agreed from day 1 that although he may be doing some of the work on the house he was not doing it all and there was NEVER anything that said I would have to pay him to get off my job. Furthermore because of the fact that they ((REDACTED BASED ON FINDINGS VIA COURT ORDER)) as to when the house would be done being built yet they failed to even start the construction by that time. We will now ((REDACTED BASED ON FINDINGS VIA COURT ORDER)) come November 30,2014. HDPA has repeatedly ((REDACTED BASED ON FINDINGS VIA COURT ORDER)) after all we have already been through.
Since having ARC Construction leave the property I have ((REDACTED BASED ON FINDINGS VIA COURT ORDER)). All while knowing we have ((REDACTED BASED ON FINDINGS VIA COURT ORDER)) come November 30, 2014.
So in order to recap the situation is that our house burnt down, we hired public adjusters, and ((REDACTED BASED ON FINDINGS VIA COURT ORDER)). We are being charged all of our content money for a company we were told by the insurance that they provided, our public adjuster ((REDACTED BASED ON FINDINGS VIA COURT ORDER)), they are now saying we have to give them more money to get our house finished, they ((REDACTED BASED ON FINDINGS VIA COURT ORDER)). My family and I will now ((REDACTED BASED ON FINDINGS VIA COURT ORDER)) right before Christmas because of HDPA.
Hudson Douglas Public Adjusters Reviews
On August 11, 2013 at three in the morning we woke up to loud banging sounds in our home. We thought that someone was breaking in and immediately called 911. I went to look out the front window and noticed, in the neighbor’s window reflection, that the garage was on fire. We grabbed our son and dog and walked out the front door at which point the garage basically blew up.
As we sat across the street watching everything we have worked for go up in flames we had no idea what a long journey this would turn out to be.
We had just bought the home in March of that year and now in just a few months we were homeless. As neither of us had any idea where to start and we had people coming at us at all directions. One thing we decided to do was to hire a public adjuster to help us sort through this claim. Hudson Douglas Public Adjusters, Doug Waldie is the owner and he informed us that his job was to get us the entire amount due to us from the insurance company to make us whole again.
Our homeowner’s insurance company was at the house later that morning and assured us all would be fine. She told us they have someone that will be coming in to document our loss and remove and clean any belongings that could be salvageable.
From the first meeting with HDPA I explained that I build houses for a living and ((REDACTED BASED ON FINDINGS VIA COURT ORDER)). Doug Waldie, the owner of HDPA, solicited our business for the construction of our home. He also owns ARC Construction. ((REDACTED BASED ON FINDINGS VIA COURT ORDER)).
HDPA started negotiations with the insurance company and on December 24, 2013 received the check for the rebuild of our home. After this we met with HDPA multiple times going over the plans for the home. We were told that their friend was an architect and would draw the plans up for us. The first plans had a lot wrong. ((REDACTED BASED ON FINDINGS VIA COURT ORDER)). After several weeks the next plan came back in which the HDPA decided to add about 5 foot to our living room. We never even mentioned this. However at this point, were getting ancy to start building and return home. We agreed to just go ahead so that there would be ((REDACTED BASED ON FINDINGS VIA COURT ORDER)).
HDPA received the first draw from our mortgage company in February of 2014. However they did not even start building until the last week in September. We met with ARC and HDPA at the property numerous times going over the plans for the home and discussing the fact that ((REDACTED BASED ON FINDINGS VIA COURT ORDER)) and what I wanted ARC to do. Over and over I heard, “you’re the boss George, it’s your house I work for you just let me know what you want me to do.” In March of 2014 HDPA ((REDACTED BASED ON FINDINGS VIA COURT ORDER)). ((REDACTED BASED ON FINDINGS VIA COURT ORDER)).
Since we hired HDPA they were the only ones allowed to talk to the insurance company. Later we found out the insurance company had requested information and documentation regarding our clothing and contents which we not made aware of until April and the letter was given to them in January 2014. We also got emails from the insurance company stating that the house was still not even started ((REDACTED BASED ON FINDINGS VIA COURT ORDER)).
Since HDPA’s ((REDACTED BASED ON FINDINGS VIA COURT ORDER)) the insurance company has graciously paid an additional 3 months on our rental and mortgage, it has now been over a year and the house is just a shell.
I stated I wanted to frame the house however HDPA and ARC Construction ((REDACTED BASED ON FINDINGS VIA COURT ORDER)) and one day I rode over to the property to find out the framers were almost done framing the house. When I stated that I wanted a meeting a meeting to discuss this situation ((REDACTED BASED ON FINDINGS VIA COURT ORDER)).
The entire situation caused a lot of stress in our house and I ended up going and staying with a friend for a while. My girlfriend however handled all the paperwork on this claim and kept track of monies and was working on the contents list that was prepared by Integrity Restoration, the company our insurance company hired. This also was a catastrophe. After several months they sent us a list saying all our belongings were valued at $55,000. Even though the staff was unknowledgeable about most of the tools we had. It was like they just made up numbers. We worked on the list for months and came up with our contents were valued at over $200,000. We met with the owner of the company showed her numerous discrepancies and she finally agreed it was a horrible job they did. Then we find out Integrity is charging us to write these bogus numbers down, their fee was $44,000 and according to her, our entire house of stuff was worth $55,000. When we brought this to the attention of HDPA we were told that we could negotiate that fee and they would take care of all this when they got to the contents portion of the claim.
HDPA would bring us checks to sign or give to us. Some were for the mortgage on our burnt home some were for the pool service some for me to sign. Every single time they brought a check to us we would ask, “What is this check for?” HDPA was ((REDACTED BASED ON FINDINGS VIA COURT ORDER)). ((REDACTED BASED ON FINDINGS VIA COURT ORDER)). ((REDACTED BASED ON FINDINGS VIA COURT ORDER)). ((REDACTED BASED ON FINDINGS VIA COURT ORDER)).
I have requested a copy of the scope to see how much money was allotted for each part of the rebuild. HDPA’s ((REDACTED BASED ON FINDINGS VIA COURT ORDER)). When I asked them about it they acted surprised and said they would get it to me. ((REDACTED BASED ON FINDINGS VIA COURT ORDER)). It was not a mistake. I also requested a breakdown of what all the funds have been used for specifically. HDPA nor ARC Construction has provided to me yet.
Knowing that my girlfriend had been handling all the paperwork part of the claim and all the contents items and that I was staying with a friend for a bit, HDPA’s ((REDACTED BASED ON FINDINGS VIA COURT ORDER)). HDPA came to me and said this is the best deal you’re going to get and to sign this paper. Only later did I find out this ((REDACTED BASED ON FINDINGS VIA COURT ORDER)). HDPA told me this ((REDACTED BASED ON FINDINGS VIA COURT ORDER)) to get this over with and just sign. This was a ((REDACTED BASED ON FINDINGS VIA COURT ORDER)). Instead they made false statements to me to get me to sign the release thus ((REDACTED BASED ON FINDINGS VIA COURT ORDER)), and without thousands of dollars that we were still owed.
At the most recent meeting I informed HDPA and ARC construction that I would be finishing up the house and that is when I was told for the first time that it would cost me a lot of money to get ARC construction off the job. Yet day in and day out I have been repeatedly told that whatever work I wanted to do on my home was not a problem just let them know. ((REDACTED BASED ON FINDINGS VIA COURT ORDER)). I was told over and over no need to do that ARC construction has no problem with you doing that.
HDPA’s told me that ((REDACTED BASED ON FINDINGS VIA COURT ORDER)) should have charged around $18,000. However when I talked to their attorney and he contacted HDPA’s they changed their story and said $44,000 was in line with industry standard. ((REDACTED BASED ON FINDINGS VIA COURT ORDER)) the insurance adjuster offered it up as though that’s just something they provide in the case of a catastrophe.
A couple days later I go to the house and even though I told ARC construction I would be finishing up the house he had a crew out there finally working. I pulled the owner of ARC and HDPA aside and asked to talk to him. I again asked if they gave my girlfriend this check for $11,000 he said yes. My girlfriend came with me and stated right there that he was not being truthful. The owner says “I don’t have time to talk to you I have work to do.” SO I told him to get off my property.
HDPA and ARC construction have ((REDACTED BASED ON FINDINGS VIA COURT ORDER)) since the beginning of this claim in order to pocket our money. HDPA and ARC agreed from day 1 that although he may be doing some of the work on the house he was not doing it all and there was NEVER anything that said I would have to pay him to get off my job. Furthermore because of the fact that they ((REDACTED BASED ON FINDINGS VIA COURT ORDER)) as to when the house would be done being built yet they failed to even start the construction by that time. We will now ((REDACTED BASED ON FINDINGS VIA COURT ORDER)) come November 30,2014. HDPA has repeatedly ((REDACTED BASED ON FINDINGS VIA COURT ORDER)) after all we have already been through.
Since having ARC Construction leave the property I have ((REDACTED BASED ON FINDINGS VIA COURT ORDER)). All while knowing we have ((REDACTED BASED ON FINDINGS VIA COURT ORDER)) come November 30, 2014.
So in order to recap the situation is that our house burnt down, we hired public adjusters, and ((REDACTED BASED ON FINDINGS VIA COURT ORDER)). We are being charged all of our content money for a company we were told by the insurance that they provided, our public adjuster ((REDACTED BASED ON FINDINGS VIA COURT ORDER)), they are now saying we have to give them more money to get our house finished, they ((REDACTED BASED ON FINDINGS VIA COURT ORDER)). My family and I will now ((REDACTED BASED ON FINDINGS VIA COURT ORDER)) right before Christmas because of HDPA.