Posted by JDseller on October 05, 2012 at 07:55:07 from (208.126.196.144):
In Reply to: Insurance GRRR posted by Greg K on October 05, 2012 at 05:36:11:
Well I have never dealt with an insurance company that did not make me want to kill someone. They like to gamble with you on weather things will be damaged then they want to change the odds after you have a loss.
I would get three estimates. Then tell the insurance adjuster he has ten days to approve one of them or you will take the company to court for breach of contract. They will drag their feet forever if you let them.
I was messed over on a car one time. It was wrecked and totaled on Good Friday. They started out four thousand under the value of the car. I fought with them until Labor day. I still came out a few thousand dollars short on the car.
The lessons learned:
1) NEVER have a car taken to your property. The insurance company is not paying storage so they have zero incentive to settle faster.
2) You are on your own. The agent is working for the insurance company. HE/she can lie to you all day long about what the company will do and you have zero recourse.
3) The bigger the company the more crooked/slow/cheap they are to deal with. I have had much better luck with smaller local mutual companies.
4) Do not be cowed into accepting poor service from them. The adjuster is working to pay you as little as possible.
5) Don't shy away from getting legal counsel on the matter. THEY do. So you should too. You need to know the exact laws in your state. Then go after them.
With these things is mind you need to remember that if they half way repair the damage and you accept their payment, they are done. If the roof or windows leak in a few years or months it is going to be on your dime. IF any of the damage shows up later they will not pay a dime.
So get three estimates. Go to your lawyer and have him write that you are giving them so many days to accept one of these estimates or your going to court. A few dollars to someone that represents you will be cheap money in the long run. Even if the cost is in the thousands remember what it could cost you down the road to repair a cheap home repair.
Last thing Switch companies just as soon as they settle. You have given the current one a year to settle. They have proven that they are not to be trusted. So go to another one.
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