Trying to Claim An Insurance Loss Posted: 01-08-08 20:35pm
Why is it that you can pay for years for
insurance and the minute you need to put
in a claim, you are walking through a mine
field?
With the horrible storm which hit our
state, I had damage. Out of the people
coming out, I got totally different
opinions. Only thing is, they came into
my house and caused serious damage by
ripping out things which were not
necessary to remove.
Opinion?
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Georgia59
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Joined: 11 Apr 2007 Posts: 5542 Location: Along the Mississippi, USA
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Posted: 01-09-08 15:29pm
That sucks.
The healthcare system in America sucks.
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Roberta777
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What Comes As No Surprize Posted: 01-09-08 21:23pm
is insurance adjusters can look you right
in the eye and tell you that you are not
covered. Not so. Always pick up your
phone and call your own agent. Come to
find out, this adjuster told me that all
the things they had come into my home and
damaged, they would not cover.
The law of liability actully does cover
me. Nobody can come into your home and do
damage and walk away without putting it
back like it was. Even my granddaughter
said, "Grandma, we don't live in that kind
of world, where somebody can come into
your home and rip things up. It is like
taking your car in for service. They can
take it apart, tell you what they believe
is wrong, but, if you decide not to have
them do the repair, they have to put it
back together."
I am fortunate that the company who
originally did the drywalling in my house
will be coming out tomorrow to repair the
damage they did ripping out my ceiling.
The floors they will replace, but not like
they wanted to. A patch job I cannot live
with.
I agree with you Danielle, we pay into the
healthcare system in this country, and yet
even for those of us who have retirement
insurance, it is becoming 30% of my annual
income. It is getting really, really
hard.
Insurance premiums when you own property
are a way of life. Just have to find a
way of finding the means to survive.
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Georgia59
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Joined: 11 Apr 2007 Posts: 5542 Location: Along the Mississippi, USA
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Posted: 01-10-08 14:52pm
Well I hope you get it all sorted out and
it doesn't cost you too much!
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Roberta777
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Georgia Posted: 01-11-08 13:53pm
What a beautiful avatar. Very classy.
I had a crew out here yesterday repairing
the damage they did when they tore out the
ceiling over my dining area. Did an
incredible job. It is beautiful and they
are coming back today to paint it. All
for $400.00 and they had at least seven
guys out here working. All from Mexico.
I have this cookbook, The Taste of Mexico
written by Patricia Quinlin from Mexico
City which has a map of the States of
Mexico. I asked them to show me where
they are from. Two were from Oxcaca, the
Silver Mines, and one from near Mexico
City.
My neighbor came over to put in a new part
under my sink. He was under there for
half an hour. He said there is no mold
under there.
I have learned that when those people come
out sent by your insurance company, the
more they can tear out, the more they can
make when they repair it. That guy had me
almost ill telling me I had mold under my
kitchen sink and that he would have to put
up a tent, work 5 to 7 days to repair it,
send samples to a laboratory. He actually
thought I was going to buy into that.
My building contractor also came out last
week when I had the original problem with
the reverse osmosis having a leak at the
top and it was releasing water in there.
He also said there was no mold.
I have talked to my insurance agent who
told me that this is not the first time
she has had problems with this guy trying
to rip people off.
I told her and his wife when she called
yesterday to schedule him to come out and
start that work, that I was getting a
second opinion and that I didn't want him
back in my house again.
Boy, they see a woman alone and think they
have an easy target. Not here.
They are going to replace my cherry
hardwood floors in the kitchen, dining
area and towards the entry. Tried to talk
me into a patch job. I said no. The
company who installed it will be doing it.
Even at that, it is $1,000.00 deductable
but the floor itself will probably be over
$7,000.00.
Just don't know why they had to rip out my
carpet pad and throw it away when they set
up fans in there anyway which would have
dried it out. There are really a lot of
sharks out there.
Thanks for your response Georgia. You
have always been so nice to me and you
will make a wonderful psycologist. Had a
really good friend who was and we were
friends for many years. Very spiritual
lady and we did a lot of psychic things
together. Our husbands were rocket
scientiests and her husband was CEO of
Lockheed Martin. He is still a good
friend, retired, widowed, a great artist
and he is coming down to visit and paint
my house and vineyards and olives for a
second wine label and label for our extra
virgin olive oil.
Roberta
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Georgia59
Moderator
Joined: 11 Apr 2007 Posts: 5542 Location: Along the Mississippi, USA
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Posted: 01-14-08 12:19pm
Thanks
You sound like you live a really rich
life! I can't imagine the world of
vineyards. Girl, make sure you call a
lawyer if this keeps happening.
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Roberta777
Active User, Really EHEALTHy
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Hi Georgia Posted: 01-16-08 14:47pm
Taking some time off this morning reading
eHealth Forum as my vineyard support guy
came out yesterday to help me finish
pruning the Cabernet Sauvignon and half of
the Viognier. Those plants are really
strong vines and it takes a lot of effort
to cut them back.
God has blessed me Danielle in so many
wonderful ways. I am happy with my life.
Great children, great grand-children a
beautiful home which my late husband
designed and we built together with love.
Put in the vineyards and it was such a
great joy to make our first vintage. It
wound up being the top Gold Medal winner
at the California State Fair this year.
My husband would have been so happy with
that. He just wanted more than anything
to share it with his former friends in
Silicon Valley.
Still have five more rows of pruning to do
on the Viognier, then the roses and then
will have time to call my attorney.
He was there for us when both of our
children had spinal injuries and is a good
friend. Looked at the fine print in my
insurance contract and feel I can contest
the decision that they denied coverage to
me on the rain/storm damage. My son said
the insurance companies will wiggle out if
they think they can like they did with
Katrina.
My own agent has already called to say she
does not want that guy who came into my
house and caused so much damage ever being
sent out to her other client's homes.
At least that is a start. I won't let him
back in my house.
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Georgia59
Moderator
Joined: 11 Apr 2007 Posts: 5542 Location: Along the Mississippi, USA
Thanks: 89
Thanked:31
Posted: 01-16-08 16:20pm
Yay! It sounds like you're making progress
with them.
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Roberta777
Active User, Really EHEALTHy
Joined: 07 Jun 2007 Posts: 753 Location: ,
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Thanked:240
They Say Posted: 01-16-08 20:31pm
that the more you have to do that keeps
you happy and occupied makes your life
full, happy and gives you a longer life.
At least longer in the sense of
accomplishing things. Blessed in that way
for me.
Just wish I hadn't let them tear out my
carpet and carpet pad. That guy actually
crawled underneath the hallway carpet and
ripped out a portion of the carpet pad
even though the water didn't even go that
far. Now to repair that, they will have
to cut into the carpet leaving a terrible
eyesore
Just wish I hadn't been in such shock
and when he started ripping out the carpet
pad, I should have checked it myself for
water retainment. Bet it wasn't even wet.
He just threw it over the balcony into
the storm. Also damaged my french doors
when he ripped them open because they were
so tight.
All I can say to anyone is don't let those
people into your house. Your insurance
agent can tell you that you are covered
and then deny your claim after they come
into your home and tear it up.
My neighbor said that since they had fans
up there and a dehumidifier, it would have
all dried out anyway. You live and you
learn. But, sometimes the lessons are not
only painful but expensive. In more ways
than one.
