Anyone ever have to fight an insurance company over hail damage?

[OutHouse]

My Fiancee's new Honda was damaged with hail majorly....GEICO fixed it well except the body shop didn't replace some of the bumper hardware and 3-4 years later it's popping out around the headlights.

STFU Donnie.

 

[OutHouse]

I suspect they pulled a history on the home and found out the previous owner had a claim

history? using what housefax?

 

[OutHouse]

a few years ago a tree fell and cliped the corner of her house and crushed her sons car. She had american family insurance. the adjuster came out, looked things over and cut her a check right then. the check was for about $1400 bucks, mostly for removing the big ass tree and the rest was to fix the cosmetic damage to the house which was only replacing a gutter and some wood on the eve.

the tree removal to my shock was $1100 bucks and took them most of the day after they jacked up the tree so we could pull the crushed car out then they went town with chain saws and a wood chipper.

 

[IndyColtsFan]

***Update

I've been going back and forth with State Farm. They had conveniently closed my case before I got the actual write-up from the 1st adjuster.

He left all kinds of stuff off that he said was covered and low balled everything. I've had a few contractors out and every single one says I have roof damage which is the main point of contention. They all used the phrase "it's a no brainer" which I thought was a little odd, but at least they're consistent. I've seen photos of all the bruising but because it's a dark roof they need to be marked with chaulk to show up in pics.

Cheapest estimate so far was $11,500 and that only included the big stuff (roof/gutters). State Farms estimate was $2779.

They are going to analyze the estimate (they only would accept one, so I used my preferred contractor). They will speak to them and then if they determine that there is a difference (they obviously should) a 2nd inspection will be setup with the contractor present.

So I'm feeling slightly better about State Farm, I just got a bad adjuster. Depending on how the rest plays out will determine if I stay with them. Hell who knows they may drop me after contesting the 1st adjuster.

My saga continues as well, going into its sixth full month. They agreed to replace the roof but didn't quote certain things which also have to be replaced. My contractor sent them a list, pictures of the places on the roof, and requested authorization to replace those components. They want to come out AGAIN to review it with the contractor -- IN TWO WEEKS. I will be surprised if we get a roof on by the end of July at this rate.

 

[Ichinisan]

Oh hail no.

 

[Jimzz]

The damage looks rather trivial to me. Kind of what would be put under "normal wear and tear." If everyone filed claims for damage like that, homeowners insurance would cost 10 times what it costs now.

Not only that but those are the basic economy shingles so they will show wear/tear more than decent ones.

 

[WackyDan]

I had state farm for almost 15 years and had them insure everything under the sun. They were my first insurance company and I began using them when I got my driving permit. They insured my auto, property, home owners, umbrella policy etc etc etc. I made probably 3 minor claims to my auto in that time span. I hit a deer one night in my car and using some bullshit reasoning denied my claims. They only replaced half of my bumper and the other half was denied. They called it "existing damage". I had pictures of my vehicle the next morning before I washed it covered in blood,fur and animal guts were all over the car, not just on the part they paid out.

In addition, they sent me to one of their "recommended" service centers. A sham of an auto body shop that failed to diagnose a vibration in my car's front suspension. I had hit the deer at highway speeds and ran over it. As a result, I bent the rim of a wheel. I had to take the vehicle to another mechanic of my own choice and the problem was diagnosed by SIMPLY PULLING OFF THE RIM from the vehicle!! A pair of eyes was all that was needed to see the misshapen rim and their "recommended" service center pissed my time away and argued with me that the damage was fixed and they didn't know where the vibration was coming from.

I ended up getting the rest of the car fixed on my own dime. I was so pissed off, I pulled everything I had with State Farm. My house, properties, umbrella policy and the auto and moved to liberty mutual. Fuck you State Farm! Your snarky know-it-all claims department can eat my shit!

We have homeowners and vehicle with State Farm. I had a claim on my truck last year after hitting a piece of steel debris that came bouncing down the road at me. Opened the passenger front door like a can opener.

Because the steel bounced into me, I had to pay ZERO deductible. That was due to not running over it, but it hitting me (act of god they call it). Took it to the ford dealer who also has a body shop and is a State Farm preferred collision shop. They did a good job on it overall.

Results may vary I guess. I haven't had to file a claim on the house. Asshole neighbors all got new roofs last year claiming hail and wind damage when we never got hail here... Their roofs were old, due for replacement and had suffered wind damage from a storm 3 to 4 years back. Contractors were going door to door pimping the hail storm damage...Go figure. Lost a lot of respect for my next door neighbor due to that.

 

[WackyDan]

Yeah, State Farm is bad. My wife's car got broken into, and they stole her brand new laptop and a bunch of cosmetics. They covered the laptop, but only gave her 50% value on most of the cosmetics after waiting about a month for them to process the claim.

Don't leave laptop in said car. Problem solved. I see the theft reports in the local paper... and see purses and wallets, GPS, etc stolen out of cars. They were left in the car in plain sight.

 

[cbrsurfr]

history? using what housefax?

It's called the CLUE database.

 

[cbrsurfr]

I'm still dealing with them. They've been ignoring me for awhile. I finally got ahold of someone today and they informed me that it was assigned back to the original adjuster. Great. I've got a call back in to my agent to see if this can be changed.