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lilspud
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CATASTROPHIC HURRICANE IDA - Continuing Discussion Dec 18, 2021 19:20:18 GMT -6

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Post by lilspud on Dec 18, 2021 19:20:18 GMT -6

Yep in St. Charles parish and still fighting insurance. About a $40K gap between what they are willing to pay and what it is going to cost to fix. One of the big issues is my roof. It has damage and needs a patch job but the size of my shingle changed by the manufacturer and the manufacturer says not to mix old with new shingles but insurance doesn't want to pay for the entire thing. My contractor says they will legally have to pay because it is impossible to repair it. I also have a couple things that are damaged that they sad while the hurricane exasperated they said it was damaged before so they won't pay. Insurance has sent out an additional field adjuster (which did a much better job) and a structural engineer so I am hoping I am a couple weeks from either a check or a denial.

Will - Ascension Parish
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CATASTROPHIC HURRICANE IDA - Continuing Discussion Dec 19, 2021 7:52:53 GMT -6 via mobile

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Post by Will - Ascension Parish on Dec 19, 2021 7:52:53 GMT -6

Dec 18, 2021 19:20:18 GMT -6 lilspud said:

Yep in St. Charles parish and still fighting insurance. About a $40K gap between what they are willing to pay and what it is going to cost to fix. One of the big issues is my roof. It has damage and needs a patch job but the size of my shingle changed by the manufacturer and the manufacturer says not to mix old with new shingles but insurance doesn't want to pay for the entire thing. My contractor says they will legally have to pay because it is impossible to repair it. I also have a couple things that are damaged that they sad while the hurricane exasperated they said it was damaged before so they won't pay. Insurance has sent out an additional field adjuster (which did a much better job) and a structural engineer so I am hoping I am a couple weeks from either a check or a denial.

What insurance company is denying those things for you???

Your roof is a SYSTEM - any break in the system leaves it vulnerable to future damage. Your insurance company knows that, too. They 100% need to pay for the entire roof on account of the shingle manufacturer changing the shingle size. Any public adjuster or attorney would take your case in a millisecond.

If the already damaged items weren’t already paid for by the insurance company, then they owe you for that prior damage as well. Sure, it’ll be a separate claim and separate deductible, AND you have to figure out what damaged those items/property in the past, but they owe you for it nonetheless.

Any public adjuster or attorney should be more than willing to take your specific case. Have you looked into either of those options yet?

lilspud
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Posts - 565
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CATASTROPHIC HURRICANE IDA - Continuing Discussion Dec 20, 2021 22:14:49 GMT -6 via mobile

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Post by lilspud on Dec 20, 2021 22:14:49 GMT -6

Dec 19, 2021 7:52:53 GMT -6 Will - Ascension Parish said:

Dec 18, 2021 19:20:18 GMT -6 lilspud said:

Yep in St. Charles parish and still fighting insurance. About a $40K gap between what they are willing to pay and what it is going to cost to fix. One of the big issues is my roof. It has damage and needs a patch job but the size of my shingle changed by the manufacturer and the manufacturer says not to mix old with new shingles but insurance doesn't want to pay for the entire thing. My contractor says they will legally have to pay because it is impossible to repair it. I also have a couple things that are damaged that they sad while the hurricane exasperated they said it was damaged before so they won't pay. Insurance has sent out an additional field adjuster (which did a much better job) and a structural engineer so I am hoping I am a couple weeks from either a check or a denial.

What insurance company is denying those things for you???

Your roof is a SYSTEM - any break in the system leaves it vulnerable to future damage. Your insurance company knows that, too. They 100% need to pay for the entire roof on account of the shingle manufacturer changing the shingle size. Any public adjuster or attorney would take your case in a millisecond.

If the already damaged items weren’t already paid for by the insurance company, then they owe you for that prior damage as well. Sure, it’ll be a separate claim and separate deductible, AND you have to figure out what damaged those items/property in the past, but they owe you for it nonetheless.

Any public adjuster or attorney should be more than willing to take your specific case. Have you looked into either of those options yet?

Upc insurance. I have a friend that’s a lawyer and I discussed it with him. He encouraged me to get as much as I can and then get a lawyer. He said it would be cheaper for me that way. My issue came from having an awful initial field adjuster. It was shortly after the storm, the person was combative and didn’t write everything down.

CATASTROPHIC HURRICANE IDA - Continuing Discussion

Post by lilspud on Dec 18, 2021 19:20:18 GMT -6

Post by Will - Ascension Parish on Dec 19, 2021 7:52:53 GMT -6

Post by lilspud on Dec 20, 2021 22:14:49 GMT -6

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