Are the any homeowners insurance adjusters here?

[NewEra]

I have a question and would like some advice.

[Augie]

Sorry I can’t be of any real help, but I can say don’t expect anything fast. My college buddy has a problem child back living with them. (My goddaughter, yay.) She’s not allowed to smoke in the house, so she goes out into the garage to smoke. She also drinks. A LOT. On September 7 of last year they woke up at 2:00 AM to find that the house was burning to the ground. Nobody was hurt, so that’s the important part.

 

Now, about the insurance….it took about 5 months to get things worked out and get any money. Building a new house expected to be done next September. Out of their house for a year.

 

We had trees fall on our house during a traopical storm in Florida. It crushed the tile on one slope of the house. State Farm “generously” wrote a check to replace that slope of the house for about $6k. Of course, they no longer made that tile any more, so it was upon us to stroke the check for the other $24k. That’s not what I think of as insurance. We moved to Cincinnati Insurance and have never used State Farm again. When we presented them with the coverage Cincinnati Insurance was quoting they responded with something like “I can’t imagine why you wouldn’t do that.” 

 

Hope it’s not too big of a deal, and good luck! 

[NewEra]

16 hours ago, Augie said:

Sorry I can’t be of any real help, but I can say don’t expect anything fast. My college buddy has a problem child back living with them. (My goddaughter, yay.) She’s not allowed to smoke in the house, so she goes out into the garage to smoke. She also drinks. A LOT. On September 7 of last year they woke up at 2:00 AM to find that the house was burning to the ground. Nobody was hurt, so that’s the important part.

 

Now, about the insurance….it took about 5 months to get things worked out and get any money. Building a new house expected to be done next September. Out of their house for a year.

 

We had trees fall on our house during a traopical storm in Florida. It crushed the tile on one slope of the house. State Farm “generously” wrote a check to replace that slope of the house for about $6k. Of course, they no longer made that tile any more, so it was upon us to stroke the check for the other $24k. That’s not what I think of as insurance. We moved to Cincinnati Insurance and have never used State Farm again. When we presented them with the coverage Cincinnati Insurance was quoting they responded with something like “I can’t imagine why you wouldn’t do that.” 

 

Hope it’s not too big of a deal, and good luck! 

Thanks Augie.  Just had some work done in our kitchen before we moved in and now we have a little water damage.  Turns out the guy who did the work wasn’t insured (he was basically sub contracted by our original contractor who did the floors and counters).  Just worried about the uninsured contractor 

Edited March 14, 2022 by NewEra

[Augie]

6 minutes ago, NewEra said:

Thanks Augie.  Just had some work done in our kitchen before we moved in and now we have a little water damage.  Turns out the guy who did the work wasn’t insured (he was basically sub contracted by our original contractor who did the floors and counters).  Just worried about the uninsured contractor 

 

That sounds familiar. We moved into a new house (for us, 23 years old) on 12/15 and had a new washer/dryer delivered from Home Depot. The guys plugged it in and said they both had to run a cycle before we could use them. He hit the start buttons and left, the wife went up to her office and I walked the dogs. 

 

When I get back there was a FLOOD from the dining room thru the butler pantry (with adjacent laundry room) to the kitchen. The guys turned on the washing machine, but never put the hose in the drain! I fumbled around and figured out how to turn the washing machine off. The wife is on a national call with senior management, and I don’t even know where the towels are in the new house. I find a box with towels and clean up the mess. The wife finishes her call and gets on the phone with Home Depot. They send a plumber by who asks if I took pictures. NO, I was too busy cleaning it up! He felt the wet pad of the rolled up dining room rug, takes his own pictures and leaves. 

 

HD starts a claim for us, but weeks go by before they send out an adjuster. He comes and looks around, confirms that the boards of the wood floor have indeed cupped and the finish is off. We had a wood floor guy come and get a $4k+ estimate to refinish 1,058 SF of wood floors on that level. 

 

Fast forward, it is now MARCH, and we are still fighting with them. Last week we forwarded email from the floor guy confirming the exact square footage, and again we are back to waiting. They keep saying it is moving forward, but, back to my original point…….NOTHING HAPPENS FAST. 

 

 

Good luck! 

[Marv's Neighbor]

23 hours ago, Augie said:

Sorry I can’t be of any real help, but I can say don’t expect anything fast. My college buddy has a problem child back living with them. (My goddaughter, yay.) She’s not allowed to smoke in the house, so she goes out into the garage to smoke. She also drinks. A LOT. On September 7 of last year they woke up at 2:00 AM to find that the house was burning to the ground. Nobody was hurt, so that’s the important part.

 

Now, about the insurance….it took about 5 months to get things worked out and get any money. Building a new house expected to be done next September. Out of their house for a year.

 

We had trees fall on our house during a traopical storm in Florida. It crushed the tile on one slope of the house. State Farm “generously” wrote a check to replace that slope of the house for about $6k. Of course, they no longer made that tile any more, so it was upon us to stroke the check for the other $24k. That’s not what I think of as insurance. We moved to Cincinnati Insurance and have never used State Farm again. When we presented them with the coverage Cincinnati Insurance was quoting they responded with something like “I can’t imagine why you wouldn’t do that.” 

 

Hope it’s not too big of a deal, and good luck! 

Did Jake from State Farm handle that one?

[Augie]

24 minutes ago, Marv's Neighbor said:

Did Jake from State Farm handle that one?

 

No, we got a different celebrity, Bozo the Clown!