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
Score one for the good guys Jury awards California sisters $18 million from insurance company that offered only $5,000 for storm damage https://www.sbsun.com/2024/05/09/ju...pany-that-offered-only-5000-for-storm-damage/
The Possible Collapse of the U.S. Home Insurance System A Times investigation found climate change may now be a concern for every homeowner in the country. https://www.nytimes.com/2024/05/15/podcasts/the-daily/climate-insurance.html
Scummy homeowner’s policy wording change by State Farm Lawsuit in the works against State Farm for denial of water claims State Farm's updated homeowner's policy language says "losses not insured" include "leakage of water... that occurs or develops over a period of time... and is continuous." “Most other insurance policies actually specifically state a leak ongoing for 14 days or more is excluded. But State Farm’s policy has now just become any ongoing leak, whatever that is,” said Melzer, president of Property Claims Consultant in Carlsbad. https://www.cbs8.com/article/news/l...aims/509-509f6fbd-52e6-4e40-9d34-24623a77fa70
They are trying to get around case law that says the carrier is liable for days 1-13 of damage if the leak was ongoing for more than 14 days.
Hey want to hear something fun? Dad had stroke in early 2023, I posted a bit about it here in various threads. Jan-May 2023 in hospitals/acute rehab before going home. Primary insurance coverage through Medicare Advantage has withdrawn all payments to hospitals and physicians during that time, saying they weren't primary. Hospitals/physicians trying to collect their $$ from him/my stepmom. Still working on resolving this in October 2024. Now trying to authorize employer to notify medicare advantage that medicare advantage is primary. Fun!
I’m all for shitting on the insurance companies that deserve it, but these were undeniably two different events… They occurred two weeks apart. That article also spends a significant amount of its time talking about National Flood Insurance Program policies which is what almost all flood policies are. Those policies cap at $250k on coverage for the dwelling and $100k for contents. People buying in areas where flood risk is high have to understand they’re essentially self insuring for anything above and beyond that. The article also spent a significant amount of time on a lady who *checks notes* didn’t have insurance.
Yup. And for wind policies, the standard is damage during the policy period. So even though they are two different events, as long as your policy didn’t renew in the two week period between Helene and Milton, you are golden.
Exactly this, hurricane deductibles are a policy period deductible. Had a lady today that has a standard 2% deductible with damage to her roof that won’t meet her deductible, but reminded her to keep all of her receipts and documentation for repairs in case of another storm that would help her meet or exceed that deductible.
Doubling back here… 6 months later. I received a letter in the mail today stating I need to have a licensed contractor replace the dwelling roof based on the inspection in April. I replaced most of my roof surfaces in June for a solar instal. The only section I did not replace was an addition that was built in 2013. should I call the company tomorrow and ask for clarification? Do I assume that I have to replace all roof surfaces, including the one installed in 2013? Or do I play it off like I replaced all surfaces this summer and just email them the receipt and take some pictures? I guess the last option would be look to switch providers.
Nice thing here is you’ve got time. I’d ask for the clarification, depending on the carrier the answer could be different. The sooner you can get an answer the quicker you can also shop for another carrier if it’s necessary. There’s not a real clear cut answer here because a lot of it will be at the discretion of the carriers underwriting department.
I would just call and say you replaced the roof since the inspection and provide the invoice. The underwriter probably won’t catch that it wasn’t all replaced. If they do catch it and they ask about it, tell them that is an addition and the roof is only 11 years old, and it should be fine anyway, because that’s well within a roofs lifespan
Exactly what I was thinking. I have the letter, invoice and a copy of the check I paid the contractor who did the work. I was even going to try and get a copy of the building permit before I call them tomorrow but I don’t think that will happen.
the underwriter probably won’t even know that they’re reading honestly. they just want an invoice to push it through and get it off their desk