2025-02-10

Today brought more frustration in this ongoing process. My public adjuster was informed that no additional payments should be expected until the matter is resolved, which directly conflicts with what a Costco vice president told me just last week.

Meanwhile, Sedgwick has only now begun asking questions about personal property and mitigation, despite having had more than ten weeks to conduct inspections. These delays slow everything down and add unnecessary hardship for my family, while benefiting RXO—the party responsible for paying the claim.

Sedgwick has also proposed depreciating nearly all of our damaged property. In practice, this means they would compensate us for far less than it actually costs to restore our home to its pre-loss condition, leaving us tens of thousands of dollars short. Based on the legal advice I’ve received, depreciation rules in this context do not apply the way they are being presented. Yet the strategy persists, forcing families like mine to either accept a reduced payout or move toward litigation.

From my perspective, it appears that Costco has entrusted RXO to manage the claim, and RXO in turn relies on Sedgwick. The result is a process where communication breaks down and the customer bears the burden. I find it difficult to believe that Costco would want one of its members forced to cover $30,000–$100,000 of loss out of pocket due to contractor negligence. Yet without intervention, that is where this path leads.

For those unfamiliar, Sedgwick is an adjusting company typically hired by the paying party—in this case, RXO, which is self-insuring. They do not represent the interests of the injured party. Their role is to minimize payouts for their client, and one of the most common tactics is delay. This choice by RXO speaks volumes about their priorities.

One issue in particular has raised serious concerns. Earlier in the process, I hired an independent Industrial Hygienist to assess the damage, design a remediation protocol, and guide the cleanup. After the remediation was completed, Sedgwick sent EFI Global—its own subsidiary—to perform testing. Not only was the individual sent underqualified for the role, but testing was conducted after cleaning, which undermines accuracy. These results are now being used to justify denying large portions of my claim.

The companies involved have one week to resolve this before the matter moves into the legal realm. At that point, I will also add costs for missed work, legal fees, travel, consultations, and any other compensable expenses. My family has carried this burden long enough. It’s time for accountability, fairness, and an end to these unnecessary delays.