|
|
Post by terrifictom on Mar 24, 2017 10:21:09 GMT -6
My daughter had roof damage from the high winds we had about a week ago She has replacement coverage on her Home owners policy. She filed a claim with Insurance agent. She got a call 1st saying that they will prorate age of shingles and take what percentage of roof that was damaged. She reminds that they have replacement coverage. So then they have an adjuster from South Carolina, [they have so many claims in area] call that he is coming up to look at roof but if they can find the same brand shingles no matter what color that is all that they are obligated to do for replacement. I told her that was bullshit. I told her to stand her ground and that the only acceptable solution was to replace roof. The roof is 13 years old and shingles were 35 year rated shingles. Any one have any suggestions on how to deal with insurance adjuster when she talks to him.
|
|
|
|
Post by biglakebass on Mar 24, 2017 11:12:29 GMT -6
I got hosed on siding due to hail. They would only do 3 sides of the house. The siding I had was not made any more so if they could find siding that was like 85% similar in color and shape thats what they would put on 3 sides of the house and leave the 4th side with 12 year old siding at the time.
It looked HORRIBLE. In the end I agreed to leave facias on the house and detached garage with the dents in exchange to side my whole house.
I fought and argued until I was blue in the face. There was no way they were doing any more than they had to.
|
|
|
|
Post by Reagan on Mar 24, 2017 11:39:12 GMT -6
Who is the insurance company?
I heard that State Farm insurance is one of the worst in taking care of claims like this.
|
|
|
|
Post by coop on Mar 24, 2017 11:46:10 GMT -6
I've had to play this game a lot. Ooops - don't know what happened there (edit).
In my experience, adjusters say all kinds of stupid stuff. They quote building code from other states, they quote policies that don't exist... Don't be intimidated by any of it!!!
Step #1 - Find a company that you can trust and is willing to work with you. Have them create a well documented scope of work with a bid. Explain to them that this is an insurance job and you would like them to provide pricing that has been run thru the Xactimate Program.
- The Xactimate Program is a software that specifies what prices insurance companies will pay for various trades, materials, and services.
- Make sure to explain to them that just because the insurance company agrees to a particular Xactimate number doesn't mean that's what you intend to pay. But hang the carrot that you will spend all of the proceeds on the project one way or the other.
- Often times, companies specializing in windows, roofing, & siding will have an insurance claim expert on staff. These people can be a valuable resource... They can be slimy, snake-oil salesmen as well. I've dealt with both.
Step #2 - Submit your bid to the insurance company and wait for their response.
- Try and get them to acknowledge in writing the damage that they are claiming isn't covered.
- If they increase their offer to an amount you are satisfied with, great. If not, you are entitled to have a different adjuster inspect the property. I recommend attending the meeting along with your contractor.
Step #3 - If the insurance company is still unwilling to cover something that you feel is unfair, every policy holder is entitled to a "Demand for Appraisal". This is where you hire a public adjuster as your advocate, the insurance company hires an adjuster as their advocate, and the two parties split the cost of a Mediator (typically a more highly accredited public adjuster).
- Typically putting the insurance company on notice with good documentation and strong representation gets them to "move". If that fails, serving them with notice that you are exercising your right to a Demand for Appraisal, gets them to compromise. If that fails, the Demand for Appraisal's that I have participated in have been generous for me, the policy holder.
Make sure that you start with great documentation (storm event, damage, pictures, large scoped estimate). Start with a high number, plan to compromise.
Good luck! I've negotiated mucho $,$$$,$$$ using this method.
|
|
|
|
Post by terrifictom on Mar 24, 2017 11:59:13 GMT -6
State Farm
|
|
|
|
Post by coop on Mar 24, 2017 12:21:31 GMT -6
Tom,
I would let the State Farm adjuster do his thing alone first. I've had numerous situations where they acknowledge damages but mistaken refuse coverage(s) due to sheer volume of work/claims and/or sloppiness. Having them think that you are an uniformed home owner can work to your advantage in this regard... The process I listed above takes a long time and can be emotionally taxing.... But its extremely effective.
|
|
|
|
Post by terrifictom on Mar 24, 2017 12:37:26 GMT -6
The adjuster called her this afternoon and set up an appointment for next Friday. My daughter is going to make a point of being at home. She has a roofer that looked at roof, besides the shingles that were completely torn off, on almost half of the roof the shingles are loose or lifted.
|
|
|
|
Post by terrifictom on Mar 24, 2017 12:47:31 GMT -6
Thanks Coop. Would it be better if she has the roofer at the house when the adjuster is there or just a written estimate from roofer.
|
|
|
|
Post by coop on Mar 24, 2017 13:20:21 GMT -6
Tom,
It kind of depends upon your daughter's patience and determination as it relates to this matter. If she is content to reach a quick settlement and move-on, then I would advise having the contractor present. If she is determined to maximize her return and is willing to patiently go thru the motions, then I would advise the contractor not to attend the first meeting.
|
|
jflonll
Full Member
Posts: 185 
Likes: 158
|
Post by jflonll on Mar 24, 2017 15:49:06 GMT -6
Lots of luck with State Farm. I just had 2 wind claims with Liberty Mutual for over $15k. I had cks in hand in about a week of adjusters reports. No hassle in replacing entire roof with damage in one small corner.
|
|
|
|
Post by sd51555 on Mar 24, 2017 16:13:09 GMT -6
We had a massive hail storm down here about three years ago. We had pop up dent repair tents in town for about six months and the whole city was reshingled. It was so bad that state farm rebilled all of us after our six month premiums were already paid to help cover the cost of those claims.
I didn't have a claim, but I kicked in $40 extra that period to help cover it.
|
|
|
|
Post by MoBuckChaser on Mar 24, 2017 16:28:19 GMT -6
State Farm can suck my Kielbasa!
Great company for taking your premiums, Worst company to get any money out of!
Fuck Them!
|
|
|
|
Post by Reagan on Mar 24, 2017 18:36:53 GMT -6
My dad was a State Farm customer for nearly 40 years with no claims. He had major storm damage to his roof. Had to battle them to get repairs and then they jacked up his premiums.
He dropped them and now pays less. I've heard similar tales over and over. I'm glad I never used them.
|
|
|
|
Post by MoBuckChaser on Mar 24, 2017 19:20:56 GMT -6
I now use American National Pacific. They have been great and way cheaper than state farm on everything right down to the life insurance.
|
|
