Insurance Claim Contributors Answer Insurance Claims Questions

22 Responses to “Insurance Claim Contributors”

April 8th, 2013 at 10:41 am #Shelley

I will try to condense this as much as possible. We hired a pool contractor to put in a pool. In the process of doing so, they were using an excavator when digging and dug into our main power line on our property. As you can imagine, we had extensive damage to our electricals and electrical system. The moment it happened we contacted our insurer who came out and did the usual take pics, make lists etc. In the meantime, we had an electrician come make the repairs to get the house up and running. We are left with multiple electrical issues not repaired. In the beginning our insurer said they would handle everything and would go to the pool company’s insurer if needed to recoup anything. In the back and forth.. The first adjuster they sent out was relocated and we had to go through the entire process again. Now after months of sending this person and that out to look and ask questions.. Our insurance up and says they aren’t paying it and now we should go to the pool company’s insurer. We were very frustrated but did do what we were told. After weeks of no response and multiple emails and calls, thier insurer called and said ” you signed a contract”. We pulled out our contract and on the back in faint gray font it says the homeowner is responsible for getting electrical lines marked around the house, but that our pool company was to have it marked from the street to the house. At no point was this pointed out to us. At no time did they ask if we had the lines marked ( even before they had a man about to dig on an excavator) In the process of laying out the pool and getting lines and such identified, I told our contractor that we bought our home out of foreclosure( brand new and never been occupied), but I didn’t have the plat/layout for all pertinent lines and such. We were communicating via text which I saved. He told me not to worry about it that they would handle all of it.

Now.. Neither our nor thier insurers will answer our calls/ emails. We are out a few thousand so far. We still have air/ heat units not working, electricals breaking all over even after being repaired. Many things haven’t been repaired at all.

At this point.. Should we contact a lawyer? What? We have no one to gain info from now since our company has also fallen off the face of the earth, even after saying in thier own words that the pool company was negligent and we had suffered lots of stress and loss.

Thoughts?
August 17th, 2013 at 8:42 pm #Preston

I wrecked my semi truck and totaled it I had it under insured for 23,000 and truck worth bout 30,000 can they keep my truck for salvage after they pay me
January 2nd, 2014 at 3:35 am #mike giordano

Im wondering, I am a musician and was recently burglarized. I had insurance and I was paying nan fortune for my premium. My files were all stolen. Birth certifacates,peratainant info etc. And all my reciepts for the items that were stolen. Now!!…They are asking me for reciepts! Shouldnt they have asked me for them when I started my policy? They are trying to weezil out of paying for my claim! They stole all my receipts shouldnt they get that when I signed uo!?
June 30th, 2014 at 4:30 pm #antonia perkins

I recently bought carpet from Lowes and they hired a outside contractor to install the carpet. The contractor did not follow the measurements that Lowes gave them and stopped short of where it was supposed to be. So they had to fix it but the problem only got worse the second time around when they cut into our wall, Lowes refuses to fix walls and demanded that the contractors insurance pay the damages. The problem is the insurance only wants to repair and not replace my walls which is fourth inch drywall with vinyl coating. They want us to paint over our walls which will look terrible. what can I do to get them to replace our walls??
January 31st, 2015 at 3:31 am #Confused and stress

Hello,
I was involved in an accident while coming out of a driveway. The driver admitted that he wasn’t paying attention at the time. He was looking at his gps and that there was a huge truck blocking his view. The damages were minor to both vehicle in appearance. He didn’t want to call the police or go thru insurance. Which I never do, but after thinking about it I changed my mind I called him so he can come back and we can call the police, but he wouldn’t pick up phone or answer my texts. I was driving my friends vehicle at the time of accident, and I’m not on her policy. Now 6 wks later he texts me out the blue, he will like to call the police and fill out report. I have never been in an accident, what should I do an what are the reprucutions for my friend not calling in the claim when it occur. We live in Nj.
February 19th, 2015 at 4:15 pm #shirley minarovich

my father transfered his home to me back in june of 2014. He passed away in August of 2014.In January 2015 i had a puff back in his home. I never changed his name to mine on the homeowners insurance policy but i continued to make the payments.Now their refusing to pay for many reasons.ONE REASON BECAUSE THE INS ISNT IN MY NAME. SECOND REASON HE STAYED IN MY HOME ON AND OFF WHEN HE WAS SICK THIRD REASON MY DISABLED SISTER AND HER MENTALLY RETARDED SON LIVED WITH HIM IN THAT HOME FOR 12 YEARS PROR TO HIS DEATH AND STILL RESIDE THERE NOW AND THEY SAY WE SHOULD HAVE HAD RENTERS IHSURANCE EVEN THOUUGH SHE IS HE DAUGHTER AND LIVED IN THE SME LIVING QUARTERS AS HIM . THIS IS A ONE FAMILY HOME IN NYS.PLEASE GIVE SOME ADVICE
October 1st, 2015 at 7:49 pm #Jessica

My compresdor went out on my ac. Safeco sent me check for repairs. Do i need to send receipt for work completion and payment back to safeco. My donation has already been made.
December 7th, 2015 at 6:18 pm #Kathy

I live out of town. We had a wind storm that knocked my small hydro type pole which powers the garage. The pole was existing when I bought the place and the power runs under ground to the garage from this pole. The pole is cemented in the ground with two 4′ poles which are bolted to the pole,with overhead wire to hydro pole, which had some trees through the line. The wind was shaking the trees violently and grabbed the wires and pulled the pole. It was unknown to me rotted and snapped the pole inside the cement and lifted it out. It did not topple over because of the bolts through the 4′ posts cemented with it. I have been denied coverage due to it is a rotted pole. Is this correct? I had not known it was rotted inside as it was encased in cement. I thought stupidity was covered?
April 6th, 2016 at 8:46 am #sandra

Our neighbors 18 year old son was playing with a 12 gauge shotgun in the home and accidentally discharged the firearm. The home intrusion shell loaded with 6 ball bearings shot through the
families outer walls and into my vehicle parked outside in front of my home My insurance carrier informed me I am not covered for such an incident.
The family is refusing to give me thier home owners company name stating only that they were insured through the state of Kansas. They say they are not going to have there insurance rates raised Currently I am out 6000.00 $ in damages and no one wants to help Question… Is there any way to find this information out and file a claim against them or compell them to disclose the name of thier carrier and policy number? What can I do to get this information????
October 30th, 2016 at 12:25 pm #Steve

I bought a 2015 Kia Optima for my wife and she was in a accident just last week . I am currently fighting with Allstate on the fact that they want to install after market parts on the vehicle witch would them void the Kia dealer 20 year 200,000 mile power train warranty . Plus I asked for a copy of the repair estimate from THERE PREFERRED AUTO BODY SHOP . Its crazy what i saw labor hours were cut in half , engine work being performed at auto body shop when it should be taking to Kia to have a trained Technician work on it . I am just sick to my stomach its a new car with only 14,000 + on it . So i reached out to a auto body repair shop that Kia recommend me to us . I sent over estimate and all pic’s of damaged car . The guy at recommend Kia shop was blown away and said they are not fixing the car right that the engine needs to be pulled first before any type of repairs are made witch is not in the insurance prefered shop estimate . Plus he said this car will never be the same no matter who repairs it . He also said if this car came in to his shop he would consider it a total loss . I read more on using your own prefed shop and find the insurance has the right to only pay so much is that true even in the fact thats how much it will take to repair the car back to safe oppurating condition . I mean this is crazy my wife and kid use this car this just doesn’t make sense to me that they can legally do this .
October 30th, 2016 at 6:07 pm #Jason

Sandra,
Sue your neighbors. If they have insurance and you sue them, they are required to submit your legal action to their insurance company. Once you file the suit, the insurance company should be willing to settle your claim. However, your neighbor may not even have insurance.
October 30th, 2016 at 6:08 pm #Jason

Jessica,
No.
October 30th, 2016 at 6:12 pm #Jason

Kathy,
Stupidity is not a covered cause of loss. The way you explained it, there is not a loss except for the rotted pole. Rotted material is specifically excluded by your policy.
October 30th, 2016 at 6:16 pm #Jason

Steve,
Get another estimate from your kia shop and convince your insurance company it needs to be totaled instead of attempting a repair. If it gets totaled, you don’t have to deal with a preferred shop. If you have to get the vehicle towed to the kia shop, that is a minor expense when they apparently don’t care to fix your vehicle correctly.

As soon as you can, find a better insurance company.
November 19th, 2016 at 7:06 pm #Wesley barnhart

Hello and thank you for your time. I live in Texas and I was recently in a rear end collision that was my fault. The insurance adjuster came and looked at my vehicle and said it was totaled (do to damages exceeding the value of the car.) Insurance told me that I couldn’t cancel the claim and that the lien Holder would not allow me to retain or buy back the vehicle. As I do NOT have gap insurance this would leave me upside down on the lien still owing close to $8000 on it. I work on cars for a living and know a thing or two about repairs and costs and I don’t believe there to be as much damage as the adjusters estimate. What options if any do I have? I don’t want to lose my car nor do I want to be upside down on the lien.
November 20th, 2016 at 4:50 am #Jason

Wesley,
Your lien holder is going to get all the proceeds from the insurance claim and you won’t receive any. That is the reason your lien holder said you can’t buy the salvaged car. You can talk to your adjuster and see if you can pay them alternatively so you can retain the car. No matter what, there is nothing you can do about being upside down on your loan. Remember that you will also have a lien holder on the car even after you stick all that repair money into it.
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July 4th, 2018 at 12:55 pm #Donald Pennington

I am in North Sacramento. Can someone please donate a good running automobile to me. My car and tools just burned up in Sun Valley Nevada 89433. I am staying with my sister here in North Sac. My number is 775-225-3694.
July 4th, 2018 at 12:58 pm #Donald Pennington

I have never in my life ever asked for a free handout before. My current situation is so bad from my house fire in Sun Valley Nevada that I am not going to be stubborn this time. Please call me 775-225-3694
July 4th, 2018 at 12:59 pm #Donald Pennington

Really Need Good Running Automobile. Fire in Reno. Lost everything
July 4th, 2018 at 1:00 pm #Donald Pennington

I wish I did not have to ask for all this help.
July 4th, 2018 at 1:01 pm #Donald Pennington

Emotions are really high.

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22 Responses to “Insurance Claim Contributors”

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