I think this will reverberate for some time. "How did your insurance respond, and who was it"
Derecho Claims and Information
- Thread starter keepngoal
- Start date
I think this will reverberate for some time. "How did your insurance respond, and who was it"
My state farm claim rep has called me twice a day for the last 4 days. Seems the estimator did a poor job and now I am having to go out and take pictures and remeasure things. To replace my fascia on both sides of the house, he had 1 x 6 down on the estimate. I had to got out and take a tape measure and pic to prove it is a 1 x 8. Then the broken rafter issues.
On side note they are going to pay for gas for my generator as I told them it saved probably over $800 in food. They are also going to cover my 4 hours of cleanup of trees off my roof and disposal costs. Even though the city picked it up.
Then one thing that irks me though is on the letter it says depending on the complexity of damage it may or may not include an allowance for contractors overhead or profit. WTF? Do they think they are going to do it just for cost? He even told me if any of my estimates had that as an item in their estimates. Anyone ever hear of that?
Had a tree service quote $700 to get my hanger taken down. Had Arbor Way out of Colo do it and only charged me $400. for it. That was climbing, sawing, removing, and racked up everything. Backyard is cleaner now than it was last week. Even after the winds still bring down some straggler small branches. I also got paid for tree debris removal, removing my neighbor's trampoline and dump fees, tree removal off my roof (which was branches no bigger than 6").
Working with Farm Bureau on 6 commercial buildings, plus 2 residential buildings and the adjuster just dumped on us. We had a ceiling collapse this weekend because of all the water that is penetrating in and they are still giving us hell.
The 3-4" of rain in the Iowa City and QC area is not coming at a good time.
The 3-4" of rain in the Iowa City and QC area is not coming at a good time.
Dumping was a poor choice. He is F-ing us that should make it more clear.
Nope. What farm bureau does is typically have their adjusters from other counties all congregate and do an emergency response internally. Adjusters in my area work around 5 hour days (trust me, I know what the local one does) on their long days so they then just pull adjusters from another area not hit and you get a wave of them. My agent gets a darn nice monthly check off all the business I give them so he makes sure I'm taken care of.
State Farm adjuster was going to be here for first time today (9/8) since derecho (8/10) for shingle loss with some ceiling damage from water penetration. Backed out after seeing forecast for this week - so trying again Monday, 9/14. Did do their video OneExperience thing on 8/11 where they have one download an app on the owners phone, then snap pictures as you show them the damage. Have had one or 2 emails from the agent's office since derecho, but no contact from the agent himself. His location was rocked worse than mine and I think he's new.
My policy is replacement, so there is no depreciation tied to it. For example on one of the roofs, we have 23 squares, he is saying it doesn't need full replacement just 2.5 squares to fix the issue. 250 sq ft ripped off and replaced is a fair amount of work and their response was "damages found were estimated to be less than your policy deductible($5K). Findin
Also, the siding is 25+ years and we have numerous pieces missing, but he is claiming that we can do patch work to fix the back half of the building. Good luck finding siding that matches up.
No roofing or siding contractor is going to want to do a patch job in this environment.
My independent adjuster and my roofing guy had good things to say about West Bend too. I have received checks for all of my claims already.
Agree, the good contractors will not. My contractor just finished replacing my entire roof today and said he could stay busy with roofing until next July. That's if he wanted to do just roofing, which he doesn't.
I had two acts of God strike one of my properties two years apart. Was told that two acts of God means your insurance goes up. Only one comp. claim does not increase your premium. Magically, my increase was nearly exactly what I was paid.
Neither were 'acts of God'. Both were natural disasters so your rate shouldn't go up
Aside from the property damage, I feel for the tenants. We have tarped all buildings but the water Sunday night was too much and a lot of the items have been damaged by water.
These guys got a great pump back in April with that big hail storm in Eastern Iowa and now the storm in August. These guys are pushing $250-$300 a square.
We had 4 12 inch branches fall on our house. Three holes and several rafters broken. The adjuster that we had was a subcontractor, but he was very good. He found a couple of things that we did not see, and was going to put in something for the roof on our detached garage, which I couldn't even see. We haven't got a settlement yet, but we had a lot of incidentally stuff, $500 for a meter box, wire, electrician. The guy wanted the hours we spent cleaning up, and the hours we were cutting things off the roof, the gas burned in the generator. We spent $3750 to get the 48 inch oak off our lawn and the broken limbs in 5 trees and $450 getting stumps ground. Estimate for a new metal roof and fixing all the broken rafters, new sheathing, is $14,500. They might be here in a couple weeks to do the work.
