Complaints

This profile includes complaints for Noble Public Adjusting Group LLC's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

close

Find a Location

Noble Public Adjusting Group LLC has 4 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

BBB accredited

Near

Country

USUnited States

Please enter a valid location.

Filter

• 

  Noble Public Adjusting Group LLC

  18501 Murdock Cir Port Charlotte, FL 33948-1039

• 

  Noble Public Adjusting Group LLC

  null Lehigh Acres, FL 33974-0435

• 

  Noble Public Adjusting Group LLC

  null Cape Coral, FL 33909

• 

  Noble Public Adjusting Group LLC

  null Fort Myers, FL 33916

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:04/26/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  We suffered hurricane damage 9/28/2022. Retained Noble 06/09/2023. Minimum communications from them throughout the claim. Requested FULL RELEASE starting 04/08/2024 on several occasions. Denied each time. They have been ineffective, have done little to help us and we seek full release from them. It appears that their only interest is receiving a portion of insurance payment IF AND WHEN it may occur. They referred us to a law group which we retained. The law group was ineffective and we requested and received a full release from them. I would not recommend this firm to my worst enemy.

  Business Response

  Date: 05/02/2024

  To Whom it may concern:

  Captain ******** has been provided numerous detailed responses regarding his request to cancel the terms of agreement for H333237383132333230**H Adjusting services. It has been explained that this request has been denied as it was made outside of the terms agreed upon within the contract signed and regulated by state law.

  
  On April 4th, 2024, Captain ******** was advised of this; an ***** sent by his H383730**30373530**H adjuster states: 
  I can agree that Noble has worked for a lengthy period of time on your claim. Although your insurance has failed to indemnify you appropriately, H323433353131****38H has acted in accordance with our contract and state regulations to uphold our obligation as your advocates in the claim; therefore the contract will remain valid and binding until the final resolution of the claim.
  

   

  On April 16, 2024 the following ***** correspondence and timeline of the claim process was sent to Captain ************************ afternoon Captain ****************** name is ******** and I am Noble's Client Relationship Manager. I have received the following contact form submission from you: "I have requested a release through your website, and twice by phone call which you never returned. You have been on our claim #** with USAA for well over a year with no positive results other than recomending a Law H313036323038303833**H which HAS GIVEN US A FULL RELEASE RECOGNIZING THAT THEY DID NOTHING FOR US. It's time for you to stop delaying like our insurance company and let us find some one that CAN HELP US RESOLVE THIS HURRICANE DAMAGE. Please do the RIGHT THING. Your dormancy has been unappreciated and is NOT PROFESSIONAL. 04/12/2024."

  I would like to start by thanking you for your service; as a military spouse, I mean this wholeheartedly.

  Next, thank you for allowing me the opportunity to thoroughly review your claim file history and read all the claim documents. I appreciate your patience while I drafted this ***** in response to this matter.
  I would like to point out that I was included in the ***** communications between you and ****************** prior to the submission of your contact form. ****** sent you an ***** on April 4 2024 explaining that "we are unable to approve the termination at this time. As outlined in the contract and in accordance with state regulations, there is a specified period for cancellation, and your request falls outside of this timeframe." He further explained that "we are committed to supporting you throughout this process should you wish to seek another law firm to proceed with the case. While you may have mentioned your representation with legal counsel is being dropped, I must emphasize that our services have already been rendered, and the terms of the contract remain in effect until the resolution of the claim".
  
  Please accept the following details outlining the timeline of your claim and Noble's representation:
  9/28/2022 Date of Loss (Hurricane Ian)
  

  10/3/2022 Claim report date
  

  10/10/2022 USAA initial property inspection

  10/13/2022 USAA initial determination of claim; "the loss doesn't exceed your $6,260.00 deductible"
  Coverage A
  Replacement Cost Value $ ********
  Less Deductible $ ******** (of $6,260.00)
  Net Payment $ 0.00
  

  5/16/2023 USAA completes revised estimate
  

  5/24/2023 USAA issues a revised determination of your claim:
  Coverage A
  Replacement Cost Value $ 6,496.71
  Less Deductible $ 6,260.00
  Net Payment $ 236.71
  

  6/9/2023 Noble's services are retained.
  

  The terms of contract cancellation for H383730**30373530**H H333537353033**303232H services are outlined in this executed contract and regulated by FL statute 626.854:
  "Cancellation: You, the insured, may cancel this contract for any reason without penalty or obligation to you within 10 days after the date of this contract by providing notice to Noble, submitted in writing and sent by certified mail, return receipt requested, or other form of mailing that provides proof thereof, at the address specified in the contract. If the Insured unilaterally terminates this contract after the time period for cancellation set forth above, the Insured understands and agrees that Noble shall remain fully entitled to receive the total amount of the PA fee set forth above at the time that payment is made or value is received from the insurance company and the Insured shall further be obligated to immediately pay Noble all costs and expenses incurred on Insureds behalf. Noble may terminate this contract at any time if Noble, for any reason, determines it is unfeasible for Noble to continue and the Insured will not be obligated pay Noble the PA fee, unless the termination is for the Insureds failure to cooperate with Nobles reasonable requests or other good cause, in which event, Noble shall remain fully entitled to receive the total amount of the PA fee at the time that payment is made or value is received from the insurance company notwithstanding the termination of this contract."
  

  6/15/2023 Your claim file was assigned to Noble's desk H383730**30373530**H adjuster, ***********************************, who establishes representation of your claim with USAA and requests policy/claim related documents from their office.
  

  6/19/2023 Noble's estimate is uploaded to your client portal and *****ed to you for review.
  

  6/27/2023 the partial Proof of Loss ***** is sent to you for execution in front of a notary. The *** ***** explains that it "serves as a summary of the critical information required under the policy; this will be submitted to the ***************** as part of a formal demand packet which includes the supporting evidence and estimates of the present value of the loss. Once submitted the insurance company will review the formal demand packet and respond with their position on your claim. Their response will assist Noble in determining your next steps."
  

  6/28/2023 the *** is returned to Noble and submitted to USAA via ***** as a part of the formal demand packet.
  

  7/17/2023 *********************************** follows up with the assigned USAA adjuster, ****, regarding the demand packet and requests USAA's response.
  

  7/27/2023 USAA responds via ***** with an attached letter that states: "USAA hereby rejects your demand for payment in the amount of $155,534.72. Further investigation is needed to support the supplement scope demanded."
  

  8/10/2023 Property Re Inspection is completed by USAA - Noble is in attendance.
  

  8/15/2023 USAA issues a revised determination of your claim: 

  Coverage A
  

  Replacement Cost Value $ 8,883.33
  Less Deductible $ 6,260.00
  Less Prior Payment $ 236.71
  Net Payment $ 2,386.62
  

  USAA issues a letter stating: "Based on the investigation or information provided for your claim, weve determined a portion of the loss to your dwelling for Replacement of the Stucco, Drywall, Roof, lower kitchen Cabinet is not covered because Wear, Tear, Deterioration, Settling Cracks, Ground Water Intrusion, Surface Water."
  

  8/24/2023 Noble receives this insurance payment of $2,386.52 and *****s you with the check endorsement procedures/instructions. Noble's 10% contingency fee of $238.65 applies.
  

  8/25/2023 *********************************** send the following ***** to USAA:
  "I am writing to express my concern regarding the denial letter we recently received, which states that the replacement of the Stucco, Drywall, Roof, and lower kitchen Cabinet is not covered due to reasons such as Wear, Tear, Deterioration, Settling Cracks, Ground Water Intrusion, and Surface Water.
  Could you please provide a detailed explanation as to how you arrived at the conclusion that these items are not covered?
  I kindly request that you review this matter promptly and provide a comprehensive response."
  

  8/28/2023 USAA responds: "The drywall and stucco cracks are due to settling, these are not related to the damages covered under this claim caused by wind. The lower kitchen cabinets have water entering from the exterior of the home due to seepage and ground water intrusion, this is an excluded cause of loss and excluded cause of damage. The damage to the roof showed to be caused by wear and tear in the form of stress cracks, thermal cracking, and slippage. The damages are not caused by wind."
  

  ****** replies: "Thank you for your ***** outlining the carrier's determination on the claim. I would like to understand the methodology behind this conclusion. Specifically, was an engineer inspection conducted to substantiate the findings? I look forward to your clarification on this matter."
  

  8/29/2023 Noble receives a personal check in the amount of $238.65 for the applicable fee. The insurance payment of $2,386.52 is endorsed and mailed to you.
  

  You send an ***** to ****** which includes the following statement: "It seems to be the case that USAA, and many of the neighboring insurers are unwilling to live up to their responsibility. It is my view that we must resort to using legal means to achieve fair justice. Please advise as to what the next step Noble will pursue."
  

  9/15/2023 USAA responds to ******'s 8/28 *****: "If you wish to challenge the findings please provide documentation that rebuts our decision."
  

  ****** sends you an ***** stating: "I share your frustration with the carrier's handling of your claim and their reluctance to provide the requested information. It's disheartening to see them not fulfill their responsibilities.
  As you rightly mentioned, it may be time to explore legal avenues to achieve a fair resolution. While we, as H383730**30373530**H adjusters, are unable to hire attorneys on your behalf due to legal restrictions, I can certainly provide you with a referral to experienced insurance attorneys who can advocate for your rights. Please find the contact information below for an insurance attorney: ****** Law H313036323038303833**H
  ****** Law H313036323038303833**H
  Phone: **************
  Website: policyadvocate.com/
  Should you decide to engage their services and sign a retainer with them, please let me know as soon as possible. This will allow us to transfer your file to the attorney, ensuring they have access to all the necessary documentation to support your claim effectively. Rest assured that we will continue to stand by your side throughout this process and provide any assistance required to assist the attorney in advocating for your interests.

  9/27/2023 USAA sends ****** a partial denial letter dated 9/15 which again states: "Based on the investigation or information provided for your claim, weve determined a portion of the loss to your dwelling for Replacement of the Stucco, Drywall, Roof, lower kitchen Cabinet is not covered because Wear, Tear, Deterioration, Settling Cracks, Ground Water Intrusion, Surface Water."
  

  ****** sends you an ***** regarding the need to supply USAA with a contractor estimates, she outlines the current status of your claim, and provides her professional recommendation based on the history of your claim: "I regret to inform you that the carrier adjuster is requesting documentation to challenge their partial denial, despite your statement that this information has already been provided. Given the undue delays and obstacles you've faced, I highly advise seeking legal counsel immediately to safeguard your rights and interests."

  ****** continues efforts to resolve the matter directly with the carrier during this time; in an effort to expedite providing USAA with the requested documentation, ****** contacted your contractor(s).
  

  On this same day, you replied to ******'s ***** stating: "I agree and request you proceed with legal counsel. Put them in touch with me and I will authorize their plan."
  ****** provides a referral contact ***** to ****** Law H313036323038303833**H and requests that you contact their office directly.
  

  10/12/2023 ****** submits the contractor estimates to USAA and requests that the claim is re-evaluated
  

  10/16/2023 In response to this request, USAA again sent ****** their partial denial letter dated 9/15.
  

  10/17/2023 You ***** ****** that you have retained legal counsel. She advises that she will provide their office with all claim files and history records.
  

  As of 10/26/2023, ****** transitioned from her full time position as a desk H383730**30373530**H adjuster with Noble to an independent field adjuster/consultant in another state. The claim file was assigned to ******************. Following this, ****** continued to offer services and support for your claim via your legal counsel.
  
  Reading over the file's notes and the ***** chain, it is clear that ****** has attempted to provide you with continued customer service and has attempted to provide expectations for the litigation process. While we respect the mutual decision made by **************** H313036323038303833**H and yourself to terminate the professional services associated with their representation; Noble is not in agreement to amend, modify, or terminate the contract executed. If you are instructing H323433353131****38H to cease communications with your insurance company and/or legal representation in regards to this claim; this will be considered you invoking a unilateral cancellation. As a reminder, the terms and conditions of this contract are still valid and binding; the agreed upon contingency fee for Nobles services will be applied.
  

  On April 16th 2024, Mr. ********* sent the following ***** response: I thank you for your reply, but disagree with some of your statements.
  IF YOU ARE STILL REPRESENTING OUR CASE, WHAT HAVE YOU DONE FOR US TODAY!
  WE ARE TIRED OF LISTENING TO YOUR EXPLANATIONS. THE ***** ARE THAT THIS HAS GONE ON FOR OVER A YEAR. WE HIRED THE *** FIRM YOU RECOMMENDED AND NOTHING HAPPENED. THE *** FIRM HAS GIVEN US A FULL RELEASE. THEY REALIZE THAT THEY ARE INCOMPETENT TO RESOLVE OUR ISSUE, JUST LIKE YOUR FIRM!  Admit your incompetence and ***** us a FULL RELEASE!!!
  
  On April 17, 2024, all file records were shared with the clients newly retained law firm at Captain ******** request. These records establish the claim dispute and support the clients position against the insurance. Noble has and continues to provide support to Captain ******** and his retained counsel in joint efforts of reaching resolution of his insurance claim. At the request of his attorney, our office can provide expert testimony, attend inspections and/or depositions, provide additional supporting evidence/reports, and assist in any other related tasks.
  

  H323433353131****38H is not in agreement to terminate, amend, or modify the written agreement for H383730**30373530**H H333537353033**303232H services.
  

  
  

  Customer Answer

  Date: 05/02/2024

   
  Complaint: 21631340
  
  I am rejecting this response because: Noble has not done anything other than to state they could not resolve the issue and suggested the hiring of the ****** Law Group, which has issued a full release, acknowledging that they could not resolve our claim.
  
  Sincerely,
  
  ***********************************