Exterior damage caused by neighbor's house fire-my insurance pays
nancita
12 years ago
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Billl
12 years agotwo25acres
12 years agoRelated Discussions
Insurance question - fighting their estimate of damages
Comments (34)I got all the documentation from MIL. I don't know who this adjustor is, but he clearly has less homebuilding experience than me. He totally missed the ballusters, handrails, misidentified the species of wood. The roof is damaged. There are chunks of siding missing and he didn't account for that. She does have replacement coverage, so I don't get the depreciation thing. I need to call them, but I need the contractor to add more detail to his written estimate as well. Tree removal is way more than $250 around here. You won't even get someone to come to your house for that. Plus there is nowhere to take them. The nearest disposal for trees is an hour away, so there is 2 hours of labor plus the dump fee there. It's a pine, so no one wants it. This was a huge tree, over 24" diamter. I don't know how to handle the siding and roof issue. The siding can probably be matched good enough, especially if we powerwash and restain the entire side (can I ask for that? It's cheaper than replacing the siding on the entire side). There is no way to match the roof, but the roof is circa 1990, and it isn't visible from the ground. Do we just patch that section and have it not match? I don't want to over reach, but I also don't want to not ask for what she is entitled to....See MoreNo Final Permits, No Insurance Pay out
Comments (13)And I also thought it was odd that they started the article with that line, but never referenced the details. That's most likely because they are just trying to prey on people's misguided fears in order to get more people reading the article. It's like those news teasers that announce "Are (insert common item here) slowly killing your children? Tune in at 11 for our in-depth expose." Then everyone panics and tunes in and finds out that the answer is "No, except for this very rare isolated case." In this case it's "No permits? Lose everything!!! ... Now that I have your attention, forget about what I just said because if you look too closely at it you'll realise that there aren't any facts to back up what I'm trying to imply. Instead, let's talk about the fact that cities really want you to pay for permits and it really sucks because a lot of people don't do it and 90% of old houses have unpermitted work done on them."...See MoreHire Insurance Adjuster for claim after fire?
Comments (11)It's a mess. Insurance transferred us to new, large claims adjuster and it's like starting over. He walked through our house Tuesday and was supposed to get us a revised estimate by Friday and did not. The new guy talked directly with our contractor, but the conversation didn't go well. Insurance wants our contractor to further break down each line item for his cost of materials vs his cost of labor. Our contractor told us he will do that, but feels insurance is telling him what he actually should be charging for things like labor, and he will not bend to their pricing - that insurance unfairly prices labor in what it takes in perfect conditions of a brand new build, not dealing with imperfect conditions, uneven walls, beams, etc of our 90+ year old home. Insurance guy emailed us and agrees that contractor convo did not go well and basically implied now we have to use insurance preferred Paul Davis Restoration. Also basically implied we have to move from our hotel because this is going to take awhile now and the hotel is expensive. Then he didn't follow up that email with a phone call or respond to our phone calls. We are so very irritated by that email and lack of follow up! At any rate, whoever does the work, our concern is that they match exactly what was done in our brand new renovation that we had just barely moved into! For instance, we had beautiful new wood floors installed in our new open floor plan first floor, but part of them in the kitchen area got damaged from a failed tarp when it rained through a wall the firefighters ripped open. We need the replacement floors to match exactly so it looks seamless, like nothing happened, or will not consider ourselves fairly indemnified We want all trim work, crown moulding, replaced decking, etc to match what was just done in our renovation. Our contractor literally just did this work so we know they can and will redo it the same, but don't have the same faith in whoever we get through insurance. We may not have the funds to pay the public adjuster as we are already financially stretched at the end of a long renovation, but have reached out to one anyway and are waiting for a call back. In the meantime, we've also reached out to a lawyer (I have access to one as a work benefit), and will also be looking into talking with our states public insurance commissioner. We do feel insurance is bullying us a bit now and want to make sure we understand our rights and our policy....See MoreDid my roof repair cause this internal damage?
Comments (14)Thanks all for the input. Most of these marks are divots, but there are some very obvious nail pops as well. And it's not just a few...we have counted at least 40 places throughout the house, in a house we do not intend to live in for more than 10 years. Obviously the damage will have to be fixed at some point and I clearly don't want to be the one paying for it. I understand this might be due to not having top tier quality drywall work, but this also wouldn't have happened without the roof work (at least that's how I see it since they weren't there up until the day the work started). My only challenge now is seeing if the company will take fault and fix everything, which based on your responses I'm expecting them not to....See Morenancita
12 years agojannie
12 years agoBilll
12 years agotwo25acres
12 years agovnw232
12 years agonancita
12 years agojannie
12 years agotwo25acres
12 years agotom418
11 years agodreamgarden
11 years agosuero
11 years agohayden2
11 years agojannie
11 years agoemma
10 years agoLuAnn_in_PA
10 years agochristopherh
10 years agoemma
10 years ago
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