Dealership wrecked MY brand new car

#326
#326
VolGee4 said:
BC204, do I recall that you are either in the service or a civilian who works for the military?

The only reason I ask is because of USAA. I am lucky to have USAA because of my wife's family, and they are different. They are not a corporation and setup to help its members. But, aside from that, other insurance companies are looking for the profit, just like any other business. I have certainly heard stories from friends where the insurance provider dropped them for making a claim or two.
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Never had an issue with USAA.
 
#327
#327
NEOCON said:
Usaa is a great company.

For non vets Amica is very good.

Almost all standard carriers are pretty good anymore.

There is one carrier though that I will not mention which is a huge huge name that will fight to not pay a claim. They are the devil.

Auto is very black and white though so its hard to get too screwed. It is on the home with roof damage that all hell can break lose.

Commercial is just a different beast. This claim the op mentions will be commercial even if he subs.
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Is travelers the one you won't mention?

So I have a home insurance question for the Insuarance guys, since we've diverted a little anyway.

2010: I get wind/storm damage on my roof. Quote to fix is about $1800, so I file the claim and pay my $1000 deductible.

2012: storm rips shingles off the roof in about 7 places, different places from the previous damage. Cost to fix is about $1500. I'm young and naive, and pissed that I've had 2 roof incidents and yet still don't qualify for a new roof, so I file the claim and pay another $1000 deductible.

2013 (almost exactly 13 months later): shingles get ripped off the backside of the house at the crown and I didn't see it. Rain storm penetrates the roof decking, and the ceiling in my son's bedroom completely soaks through. Cost to repair roof, ceiling, and reblow insulation is $3500. I file a 3rd claim on the roof and pay my $1000, still just get repairs and not a roof replacement.

2014: massive storm comes through and I lose shingles from every part of the roof, including all the spots previously patched. Insurance finally agrees to replace the roof, total cost is $7500. I pay the $1000 deductible.

I then got a letter stating that Travelers was declining to continue coverage once my policy expired. No insurance would pick me up, and I ended up having to file for state provided home owners insurance (Maryland Joint Insuarance), which is about $600 more annually than I was paying.

Obviously in hindsight I never should've filed on the first two, but it just doesn't make sense to me that because they wouldn't fix the problem, only patch, from the get go, I lose my homeowners insurance over an issue that finally got fixed. If my 4 claims were on different things, sure. But 4 claims on the roof should indicate a roof problem, and now that it's fixed, there should be no more problems, right?
 
#328
#328
Toujours Pret said:
Sounds like a job for
liquid-ass-prank-butt-crack-smell.jpg
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Why is Will Muschamp in this ad?

Trying to make up for his pay cut?
 
#329
#329
VolGee4 said:
BC204, do I recall that you are either in the service or a civilian who works for the military?

The only reason I ask is because of USAA. I am lucky to have USAA because of my wife's family, and they are different. They are not a corporation and setup to help its members. But, aside from that, other insurance companies are looking for the profit, just like any other business. I have certainly heard stories from friends where the insurance provider dropped them for making a claim or two.
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Was service now civil service and I have USAA as well. The best insurance by far from my experience.
 
#330
#330
volglass said:
VolGee, I'm in the same boat. Farm Bureau health insurance for the win! I looked up marketplace and all that jazz when wife switched jobs. Group rates, $30 per year for membership. I've had it as personal insurance for years.
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Interesting. Thanks. Didn't even know that Farm Bureau had health insurance.
 
#332
#332
PotS said:
Is travelers the one you won't mention?

So I have a home insurance question for the Insuarance guys, since we've diverted a little anyway.

2010: I get wind/storm damage on my roof. Quote to fix is about $1800, so I file the claim and pay my $1000 deductible.

2012: storm rips shingles off the roof in about 7 places, different places from the previous damage. Cost to fix is about $1500. I'm young and naive, and pissed that I've had 2 roof incidents and yet still don't qualify for a new roof, so I file the claim and pay another $1000 deductible.

2013 (almost exactly 13 months later): shingles get ripped off the backside of the house at the crown and I didn't see it. Rain storm penetrates the roof decking, and the ceiling in my son's bedroom completely soaks through. Cost to repair roof, ceiling, and reblow insulation is $3500. I file a 3rd claim on the roof and pay my $1000, still just get repairs and not a roof replacement.

2014: massive storm comes through and I lose shingles from every part of the roof, including all the spots previously patched. Insurance finally agrees to replace the roof, total cost is $7500. I pay the $1000 deductible.

I then got a letter stating that Travelers was declining to continue coverage once my policy expired. No insurance would pick me up, and I ended up having to file for state provided home owners insurance (Maryland Joint Insuarance), which is about $600 more annually than I was paying.

Obviously in hindsight I never should've filed on the first two, but it just doesn't make sense to me that because they wouldn't fix the problem, only patch, from the get go, I lose my homeowners insurance over an issue that finally got fixed. If my 4 claims were on different things, sure. But 4 claims on the roof should indicate a roof problem, and now that it's fixed, there should be no more problems, right?
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Travelers is not the one I mean.

Claim rep would probably never sign off on an entire roof unless it was damaged throughout.

If the same area keeps getting hit then it may have alot to due wirh pitch and no protection from trees etc.

Four in four years is alot...just to be honest.

Two in three years will freak alot of companies out.

Your state should have a high risk fund. Look into it. Normally the coverage isn't thst bad actually.
 
#333
#333
NEOCON said:
Travelers is not the one I mean.

Claim rep would probably never sign off on an entire roof unless it was damaged throughout.

If the same area keeps getting hit then it may have alot to due wirh pitch and no protection from trees etc.

Four in four years is alot...just to be honest.

Two in three years will freak alot of companies out.

Your state should have a high risk fund. Look into it. Normally the coverage isn't thst bad actually.
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Thanks for the response. So I get it, from the Insuarance world, a claim is a claim is a claim. 4 in 4 years is absurd, and to be honest I fully expected to get my coverage dropped.

However, common sense tells me that the roof just got replaced with a 5 year warranty, so the roof issues should be over and done with, so now I'm no longer an issue for them.

At what point do common sense logic and insurance logic merge or split?
 
#334
#334
PotS said:
Thanks for the response. So I get it, from the Insuarance world, a claim is a claim is a claim. 4 in 4 years is absurd, and to be honest I fully expected to get my coverage dropped.

However, common sense tells me that the roof just got replaced with a 5 year warranty, so the roof issues should be over and done with, so now I'm no longer an issue for them.

At what point do common sense logic and insurance logic merge or split?
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Ok here is the reality...roof claims are a hold ur ass and hope u dont get raped scenario.

Anytime anyone has a roof claim get three quotes from top roofing companies and make sure the roof gets fixed properly.

Claim reps are not roofers but they are given a bonus for paying out less thsn a certain amount per year...cat excluded.

Car claims are black and white normally.


But anytime BI or roofs get involved I have seen crap go bad fast.
 
#335
#335
You'd be surprised how much power a claims adjuster holds. Don't forget at the end of the day there is nothing wrong with slipping you claims adjuster some extra cash or a bottle of whiskey to approve and push through your claim. :)
 
#340
#340
Coug said:
You'd be surprised how much power a claims adjuster holds. Don't forget at the end of the day there is nothing wrong with slipping you claims adjuster some extra cash or a bottle of whiskey to approve and push through your claim. :)
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What you are mentioning is actually against the law. Any reputable adjustor would refuse a kickback. Get an estimate from a reputable establishment, and you will be fine. As for the auto claim, diminished value settlements are becoming a thing of the past. Talk to the owner of the dealership, if you aren't satisfied, then you may have to hire an attorney. But that doesn't guarantee anything.
 
#347
#347
Got a call from their insurance agency. They said an appraiser will be there today and are cutting a check to me and washing their hands. They said that they have no diminished value coverage and demanded that we return the loaner car today.
 
#348
#348
9296potsguy said:
Got a call from their insurance agency. They said an appraiser will be there today and are cutting a check to me and washing their hands. They said that they have no diminished value coverage and demanded that we return the loaner car today.
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You are getting screwed. You have two choices. Bend over and take it or stand up and fight back
 
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#350
#350
Sorry to hear 929. Good luck and get a great, not good, attorney. Hopefully they will be paying for their services anyway if they are too dumb to settle with you.
 
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