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Organtek Helps Reduce Insurance Fraud
Organtek is committed to providing the highest quality technical services in a prompt and courteous manner. Honesty has always been my strongest character trait, influenced by a grandfather who was a safe and vault technician. He taught me that my reputation is to be valued above all other virtues. So I come by it honestly.
Most people are unaware of how widespread clandestine insurance fraud has become. We at Organtek do not condone unethical practices, such as “totaling” a damaged organ or carillon just because the church wants a new one, or the dealer sees an opportunity to make an easy sale. In fact, we are so successful that many disreputable dealers and even one carillon manufacturer do not like for their customers to find out about us.
We can usually restore an instrument to its previous condition or better, for a fraction of the replacement cost. And in most cases, our warranty exceeds the one that came with the instrument when it was purchased new!
NO DEALER PRESSURE
Being an independent service company, Organtek is not influenced by dealer pressure when we are asked to diagnose an organ or carillon that has been damaged by lightning, water, or fire/smoke/heat. Nor are we enticed to “total” an instrument to get a kickback or portion of the profit from the sale. We know that all dealerships are NOT dishonest, because we work with so many of them, so please don’t automatically make this assumption. But unfortunately many are looking for an opportunity to replace a slightly damaged instrument with a new one, then repair and resell the damaged instrument at a hefty profit. We see it happen every year.
We have devoted customers, including insurance companies, in several states, who are willing to pay our travel and lodging expenses to get the job done right the first time. They know they can relax because they’re going to get long-term dependability from their organ or carillon, and the peace-of-mind that comes with our generous warranty coverage.
SAVE THOUSANDS OVER REPLACEMENT COST!
As an example, take a prominent manufacturer’s automatic electronic carillon installed in the mid-eighties at a prominent church in Plymouth, Michigan – 20 miles north of Detroit. A factory rep declared the system irreparable because some damaged integrated circuits were no longer available. The replacement system was $34,000. I was asked by the insurance adjuster to determine if it was definitely irreparable. I was flown there one evening, repaired the carillon and reprogrammed it the next day, then was flown back that evening. The adjuster was ecstatic! Net savings to the insurance company were over $30,000! The system has not failed since.
One church actually switched to their secondary insurance company when our proposal showed we could make the six-year-old small church organ like new for $500 max. The organ functioned perfectly when I plugged it in, but had a water stain the size of a half-dollar on the rolltop, and some water-soluble brown stains on the keys from water dripping through a roof leak, before they closed the rolltop. I wiped the stain from the keys with a damp cloth – the stain had not penetrated the key material. I removed both keyboards, and found no water stains on the shelf below them. The amount of water had not even been enough to run through the keys and drip onto the wooden shelf. So the insurance company forked out $21,000 for a new organ. I guess even today, some “Scribes and Pharisees” fall to temptation.
Some organ repairs can offer even more savings potential. A recent job I was called in on involved a prominent manufacturer’s church organ that was damaged by a lightning surge, which also damaged other electronic equipment in the church. The local dealer’s technician had declared it damaged beyond reasonable repair, but over 80 percent of the organ was functional. My estimate for repairs including parts, labor, and warranty was around $10,000. This repair, if accepted, will be covered by a Five-year parts and labor warranty, since components damaged by lightning can remain undetected for a few years. The adjuster was very happy. The replacement organ chosen by their local dealer lists for $93,000. Net savings should be $83,000 or more, because my estimates are guaranteed not to be exceeded.
So if you are an adjuster and suspect fraudulence, or just want to be sure you have an accurate appraisal of damages, feel free to call for details on how we may be able to help you avoid a ripoff and save money.
We will be happy to send a list of satisfied adjusters at your request.