home insurance nightmare?
A tornado ripped through my neighborhoos augst 19th. I called to report a claim. The main thing was a tree toppled lines that pulled the power mast from my house.
I spoke to the adjuster a day later, then he was at my house another day later, but didnt bother to knock on my door, so I didnt eget to meet him.
I had to make multiple phone calls a week later to see if he came or not. Then another 3 weeks and more multiple phone calls, and he said he did have a ‘report’, but didnt email it to me for a week.
He suggested a contractor estimate since the siding was damaged. I have old asbestos siding in a weird wood grain/vertical stripe pattern I had multiple contractors out who said this pattern is nowhere to be found. Then didnt heaar from them again for a month and the contractor i chose couldnt get ahold of anyone. Turns out my adjustor was out of town. I was very upset, they assigned a new adjustor, and one day when I was coming home from work, she and my contracotr were at my house (without bothering to tell me) to get a sample of the siding she could mail in for analysis and a match up.
Now they are saying there is a match ("reasonable), but the pattern is totally dissferent. They say all they have to do is provide a reasonable match. I live in MN, a matching state.
Now they just emailed me this estimate, to repair the back siding with the match, and about 150.00 foreach other side of my house to paint. (who is going to do it for that??) Then they have the total amount, LESS DEPRECIATION (can they do this?) less the deductable, and said a check for 2,000 is on its way. I cant get it repaired for that, and I dont agree it matches!!! I dont want my back different rom the rest of the house!
Plus they skimped on the fence repair cost, didnt include the gate, and didnt include my compost bin, ect that was also damaged. They are impossible to get ahold of and argumentative. My insurance agent isnt helpful much either. He never bothered to call me back after I reported this. HELP!!
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One comment
Books on October 30, 2009 at 4:40 am
Read your insurance policy very, very carefully. Make sure you catch all the fine print. You may need legal assistance to interpret the language. Contact your state attorney general if you feel they aren’t doing what they’re supposed to. You may also have to get a lawyer to make sure the insurance company does what it’s suppose to do. This is typical of insurance companies. They happily take your money but it’s not in their best interest to pay any out so they do their best not to.