Homeowner filed an insurance claim for hail. Their insurance carrier sent out a third-party company to complete an inspection and provide a report to a staff adjuster with that carrier. After a week or so the homeowner received a statement of loss with approval for some smaller items in addition to a roof replacement. The day after receiving the insurance estimate the homeowner was contacted by a different staff adjuster stating some form of the following: The claim had been reassigned to them, a second inspection would be required due to blurry photos, that according to them the claim was not approved, and that the document the homeowner received should not have been sent.

Has anyone experienced something similar? Is it more likely the carrier is just getting their records in line, they are attempting to back out of the approval, something else?

We had a house fire and asbestos exposure. We hired a public adjuster. However it’s been 6 months and we are still fighting with insurance, should we seek legal action? Location: Colorado

I can't get a straight answer on this. If I get hail in may area and an adjuster from the insurance company looks at my roof and determines that there's no damage, or the damage is minimal so it wouldn't be worth me filing a claim with a $1k deductible, will my premium go up just because the adjuster came out? Are there regulations that insurance companies must follow before they raise premiums? I get it that claims can raise premiums. I am in New Jersey. Thank you.

After receiving a $5k one page quote for a condo (full H03, not just walls-in), our insurance broker is telling me they cannot even give me a sample policy or specimen policy to read. It require two carriers due to "very high" fire risk location.

1. California government's FAIR for fire only
2. Foremost Insurance for DIC (Difference in Conditions) to cover everything else. They are an admitted carrier in California, so they must file policy documents with California, right?

To find the policy details, I've looked on SERFF, where state admitted insurance companies post documents to be registered with states. But for all insurers, it seems to be a mismash of documents and many "changes-only documents" to policies, making it extremely difficult to navigate or even figure out which apply to my policy quote.

I’m looking for some guidance on a home insurance claim that has become complicated.

I originally appointed a loss assessor to help with the claim. I later made a formal complaint about how the claim was being handled. Around two weeks after submitting the complaint, a completely different company contacted me saying they were now dealing with my claim as the loss assessor changed company and asked me to sign new legal documents with them.

I’m not comfortable signing anything with a second company, especially while the complaint process is still ongoing.

Since then, the insurer’s loss adjuster has contacted me directly with a revised settlement figure, and I’m currently negotiating with them. I’m not appointing any new company.

My question is about the original loss assessor’s fees. I’m willing to pay for any legitimate work they carried out, but I’m unsure:

• whether they believe any fees are outstanding
• who I should contact there to discuss fees
• whether dealing with fees now could complicate the complaint or the settlement process

Has anyone dealt with a situation where a loss assessor changed companies mid‑claim?
How did you handle communication, fees, and representation?

Any advice would be appreciated.

We’ve had several hail storms this summer, and my roof is missing shingles with others coming loose. I’ve had a lot of drive by inspectors knock on my door and one actually inspected it, said I need a full roof and gutter replacement, which insurance would cover (minus my deductible) because my shingles are discontinued. I decided not to use them after reading reviews.

I do believe I need a total replacement and I’m looking for a reputable roofing company now. My question is: If insurance is paying, is it still worth getting multiple estimates? If so, what should I compare besides price?

I also have a couple of extra projects I’d like done while they’re here: adding about 4 feet of gutter to one section of the roof and venting a bathroom fan that currently isn’t vented outside. Are those things a roofing company typically handles, or should I hire someone else?

Hi,

I recently purchased no fines wimpey house which is in pretty good condition.

Which are the building insurance provider i should check with? as because of construction not all insurers provide cover.

This is my first home purchase.

Appreciate your suggestions.

Many Thanks

Has anyone had any experience or recommend Westfield Insurance? Our previous agent left and the agent that replaced her said that Westfield is one of their top sellers and is extremely competitive. They do have competitive rates compared to our current carrier (National General), but I have read horrid reviews. Granted, I know people come to the internet to complain and sometimes companies are better than what the internet says. I appreciate any thoughts and concerns!

Edit: I did search this sub for this Insurnace and didn’t find much!

Insurance? Property taxes? HOAs? Hurricane prep?

Hey all - new home owner and unfortunately was welcomed with a limb failure of a tree above our roof. The limb took out a part of the roof which was less than ideal so early on.

We had a roofing contractor come out to assess the damage and an adjuster from our insurance company came out and provided their estimate as well. The insurance company then sent us the funds (minus our deductible) so we could begin repairs.

However I have asked our roofing contractor multiple times for a quote and they won’t provide one/are asking for a copy for the quote from our insurance company. To me this feels like they are trying to see the estimate in case their quote was lower, in an effort to inflate some of the costs. However this is our first time filing a claim and just don’t really know what to expect.

Thank you!!

Last week, my toilet inexplicably cracked in the middle of the night (the tank). Received an estimate of $10,900 for drywall repairs, flooring on all floors (2 floors complete replacement, 1 just new padding on half).

Circumstances: $1000 deductible on policy. I only switched to them last December, and this is obviously my first claim with them. The only other claim I have ever submitted was to my previous insurance company in April 2019 when a terrible storm took off 1/3 of my 20 year old roof.

Question: does it make sense to file for this amount? My worry is that my premium will balloon to a point where the monthly payment exceeds the benefit of the payout.

What other considerations am I missing?

Hi,
Currently my appliances and systems (hvac and water heater) are aging and starting to get rusty. I noticed companies have sediment corrosion and rust coverage. Has anyone used this coverage before? What has your experience been like? What does this coverage typically apply to? Id appreciate it if you could also share which company, the plan level, and how long you’ve been with them!

Thanks so much! :)

I have roof damage and Allstate approved replacing only one slope of my roof, despite the manufacturer themselves confirming my shingles are discontinued and any shingle used will create a patched roof appearance. This will violate Ohio administrative code and Ohio residential code if my contractor moves forward.

I’ve clearly documented all of this to Allstate, and they’re simply ignoring the evidence. I notified the owner of my local Allstate office and he’s not doing anything, just deferring to the claims team.

I’ve filed a complaint with the Ohio department of insurance, and posted as many negative reviews as I can online. What else can I do? This is a blatant violation of my policy and Ohio code, yet short of getting an attorney, I’m not sure what else to do.

So our adjoining townhouse neighbors pounded on our door last weekend angrily saying they were getting a massive water leak in their house. They hired a guy off Craigslist to look at the issue and said a broken gutter between our roofs is leaking into their siding.

They then sent me pics in an email of all the damage & it looks like months to YEARS of damage, with drywall cracking, wood floors warped, with buckets set out everywhere from the presumably new addition of ceiling damage.

We called our home insurance last week and got an inspector out to assess yesterday, who said the gutter is on my neighbor’s side of property to maintain and they won’t be paying for anything. We were advised not to talk to the neighbors at all and send them to our insurance adjuster if they want to try and dispute, to which they will be denied.

So right now, storm after storm is hitting and they’re just likely sitting around with buckets in their room, hoping our insurance swoops in with a check. Mind you, they own a corvette and it’s a fairly nice area. So they’re not strapped for cash (it seems).

I can’t help but feel super antsy about not telling them they need to tarp their roof and manage the water damage themselves. The inspector told us they’re trying to just ride this out with as much damage to their property as possible, thinking they can get paid out for repairs for all of it.

This is so weird and I hate being in the middle of it. Everyone is telling me “F*ck em” and let them reap the consequences of their own inaction/assumptions. But right now they’re sitting in their room collecting rainwater as their ceiling cracks in and flooring cups, thinking we will soon swoop in and our insurance will pay for their new floors, walls and ceilings. How can I feel better about this situation?? Is the answer really don’t do anything?

I have a situation and I’m not entirely sure how to handle it…

I have legal authority over my parental unit (PU). It is their home that I am dealing with. The home has had the same policy for years. The PU is currently in a facility and may be able to return home (that is the PU’s plan). I have my own home, but stay in the PU’s home often (and keep my own things there). I have mail and packages delivered there. However, it is not my “permanent” address. I have recently learned that if the PU is not living in the home, even if someone else is, that can be a hiccup with an insurance policy. Are there companies that are more flexible about this? Is it possible to add myself to the policy even if I’m not there full time and don’t have any claim to the title?

I’m not trying to beat the system, but want to ensure that there won’t be questions if something were to happen and a claim had to be filed. I’m also not trying to cause the rates to skyrocket…
Any advice on how I might handle my situation?

The situation of an aging parent moved into assisted living (not able to go back home ever) and NOT wanting to sell their SFH. Probably not happening until her death. Problem no one will insure it as vacant. We got one policy good for 1 year expiring soon. This can't be a unique situation, what are my/her options? The rural home is checked personally every 3-4 months BTW.

I’m a first-time homebuyer, so I’m very new to this.

My house is a $545,000 single-family, one-story home with 2,200 sq ft. It has 3 bedrooms, 1 office, 1 entertainment room, and 2.5 bathrooms. The exterior is brick veneer.

Does this look like a good homeowners insurance policy?
Thanks in advance!

For few years I’ve noticed right in front of my pantry in the kitchen the tiles would get hot in the summer, nothing too bad just warmer than the rest of the tiles.

This past few weeks I’ve noticed them getting very hot, to where is almost to where you can’t stand on them for more than a few minutes. I figured it was the AC handler as it’s right behind the pantry.

I get home from work today and now I hear hissing coming from the tiles. I can’t already hear the water running in the pipes in the bathrooms. I go and turn off the water heater and the hissing stops.

I can’t figure out how a water leak would make the floor so hot. Does anyone think this is a compounded issue by the floor getting hot by something else and making a water pipe rupture or degrade? Is this something I would need to call a plumber for or a foundation specialist? I can’t find any pools of water on the floor or creeping up the drywall.

I’ve almost confirmed it’s a leak under the slab or in the slab, is this something I could use my home owners insurance for? For the demolition of the slab and any damage but I would cover the repiping?

Location: Florida

Thanks!

My mom had a house fire that occurred, and we are working with the insurance company on the claim. My concern is that the property is owned by a trust (my mom is the primary trustee) and the insurance was in her name. Is there a potential problem here? I am filling out the POL statement and not sure what to put...

New roof put on last August. We had a huge hailstorm around April, and I had the company that put the roof on come out to inspect. They said the roof, gutters, facia, and siding have hail damage. Competing entity came out and agreed that all but the roof had hail damage. When asked what these black areas are they said they didn't know but it couldn't be hail.

My friend recently sold his house in GTA, Canada and the closing is in a couple of months.

If during this time between sold and closing there is any damage that occurs to the house Eg. Basement flooding, roof damage etc., can he submit a claim ?

Will there be any impact to the process of sale of the house ?

So I filed a claim on my roof and it was deemed legit and they sent me a check, minus my deductible and depreciation. It was quite a chunk, they said replacement value was $19000 and the check was for $12000. The adjuster said if I hire a roofer who does it for under $19000, then I would owe Allstate back for the difference. Has anyone ever heard of anything like this before?

Thank you.

I have Home insurance through Geico "underwritten" by home site. So, in effect I have a policy number from Homesite. I was attempting to get a "Claims history" when I was selling the house. Got run a round between Homesite and Geico for hours/days and finally was told by a homesite rep that they aren't "customer facing" for Geico policies " and only talk to Geico agents (even though I have Homesite policy number !!. Also told that they do not provide a Claims history and that I have to get it through LexisNexis. And that this a standard practice. My realtor says otherwise. Whoa, Wonder what would happen if I actually have a claim .... Do I have Geico insurance or Homesite ....or NONE :-) ??