I’m still pissed I paid 35k for a new roof last summer and didn’t do one of these insurance fraud things you always hear about
yeah in 12 years of auto and property claims handling and supervision I saw very few actual denials. we were trained to “find coverage” not deny claims and worked by the motto “if it’s gray you pay” on anything questionable
Yeah same here in 15 years in auto claims at progressive as a manager the garbage I paid for was x100000000000000 times what we denied, and the absolute bullshit we paid repair shops at the end of tenure was infuriating I’m so glad, towards the end it was everyday arguing with shops and a laundry list of unnecessary operations they would ask for that I ended paying because idgaf after a certain point
it’s definitely a different world, and we were very minimally present in Florida during my time, so I don’t have a ton of hands on experience there, just from auditing. I’m actually headed down there tomorrow to see a client, have a 5:55am flight
YOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOO 5 months later and BAM, received an additional $3,300 supplement check instead of the $700 I was originally expecting! All I had to do is wait it out and bitch and moan a bit. Thanks for the motivation GoodForAnother and CF3234
I got my bumper caught on a root and thought it would be cheap to fix but just got the quote for $5600. Should I file a claim or pay out of pocket? I know the insurance company will get their money back eventually I just don’t know what the point is where it’s better to do one or the other.
you’re rates will not go up $5600 i would file the claim, there was no injuries or property damage……plus they can always find more supplemental damage was well as they repair it so just let the insurance deal with it all
this is a common misconception. your rates aren’t super likely to go up over one small claim and even if they do they won’t be so much that it doesn’t make sense to collect the 5600 less deductible and if they do just switch
writing a check for $5600 rather than use your paid for insurance is some special privilege boy stuff
My wife was parked at a high school (in Texas) yesterday and a big ass branch from someone else's property unfortunately fell on her car instead of Gov Abbott, dented the hood and scratched it up p good. Is homeowner responsible or will I have to file a claim. TIA
I’ve never looked at this thread until today… sorry if this has already been asked. we purchased our house 5-6 years ago. Last week we received a letter in the mail from our homeowners insurance saying that they were sending out inspectors from a third party agency to look at the outside of our property and to take pictures. The inspector hinted that we might have to take down some trees and limbs near our house, but that is something the insurance agency would decide themselves. It’s weird because this house has been encompassed by trees for 30 years. Why would they all of a sudden make me cut them down?
This is just my assumption, but insurers are going to increasingly find ways to mitigate their risks as claims continue to increase in number and value. Cheaper for the insurer to preventatively evaluate and address possible risks than to wait until it becomes a claim. I don’t think the fact that you’ve lived there X years or that the house has historically been surrounded by trees really matters. There’s likely a bottleneck in being able to conduct this level of inspection at time of coverage being bound, but perhaps if they have had a volume of claims in your geographic area lately, they may be going through their insureds in the area and addressing it now. Most of this type of stuff can be done remotely by satellite imagining; my guess is your inspector knows that if it gets to the point of them coming out in person, they’ve seen things they likely want to have addressed.
We have had a number of winter storms the past two years that have resulted in a lot of trees falling. I wonder if they see the aerial imagery of my house and see the tree coverage. Unfortunately the aerial imagery for most commercial services are really out of date and don’t show the 2 acres of trees I have cleared on two sides of my house. the other two sides are either not trimmable due to being on conservation land, or going to be crazy expensive due to proximity to septic
file with your auto carrier and tell them the story on the tree. in all likelihood they won’t be able to but they may be able to get the money back from the homeowners policy. but usually only if the tree or branch was dead… if there was a storm that knocked it down, almost no way
this used to be very normal but the industry has gotten away from underwriting/risk inspections over the years. many are now using aerial imagery and AI to identify potential hazards that they dispatch people to look at. it’s generally a good thing, my guess is worst case they will ask you to trim some trees. they had my parents add a railing to their deck which was funny because my sister has been asking them to do it for years
That's what I did, I'm paying the deductible and will be reimbursed if they are found liable. Tree had green leaves but branch was dead. Fell on her car in the middle of the day, no wind. She didn't sound too optimistic though. Guessing since it's under our policy (for now) I can't get some of that sweet diminished value money this time? Was about $3800 in damage
if it just fell down and it was obviously dead and you have pictures they should be able to recover, they just might see it as too low of an amount to bother with