by Guest » Sat Nov 06, 2010 04:53 pm
I have filed an insurance claim for Hail damage for roof. The adjuster came in and processed the claim. I got a check for Roof Repair cost - Deductible - Depreciation adjustment. I was told by the insurance company that i can get the depreciation adjustment amount reimbursed when i get the work completed and provide them proof of work completion.
Now i had called couple of contractors and they looked at my roof and they said there is hail damage signs on the roof but my roof doesn't need to be necessarily replaced.
So now my questin is can i keep the money without getting the work done? :?:
Since i wont provide any proof of work completion and request for reimbursement of depreciation adjustment amount from my insurance company will my company close the claim after 180 days or will they come behind me to get the work completed?
Now i had called couple of contractors and they looked at my roof and they said there is hail damage signs on the roof but my roof doesn't need to be necessarily replaced.
So now my questin is can i keep the money without getting the work done? :?:
Since i wont provide any proof of work completion and request for reimbursement of depreciation adjustment amount from my insurance company will my company close the claim after 180 days or will they come behind me to get the work completed?
Posted: Sat Aug 12, 2017 03:11 pm Post Subject: not having all repairs done (Hail) house
Adjuster totaled dwelling roof (shingle) garage roof (metal) roofer said the metal did not need to be done as it was minor damage.
Insurance sent check for all damage (25k) repairs were complete to dwelling and not for the metal....
ins company is pressing for work to be 100% and i used the extra money to do some upgrades to the house.
How do i satisfy the ins company. subsequent inspection will reveal work not completed..?
Posted: Tue Oct 10, 2017 11:08 am Post Subject: Roof insurance claim second time in 7 years
I have a question...live in a house that got a new roof put on 7 years ago. Roof was not done right and the homeowner hired the cheapest possible person...no warranty given then pocketed the balance of the money. The insurance company paid for the roof repair and also cut a check for damage inside the house as a result of the roof damage. No repairs were made inside. Well, house leaks, roof coming off, literally and there is various molds growing including black mold. Owner is filing another claim with insurance company to fix the roof again and requesting that the damage caused from the old and current leaks/issues be paid for, etc. Will State Farm really to pay for repairs again because the homeowner wanted to put cheap and not repair in order to pocket the difference? This seems like fraud or at the very least dishonest.
Posted: Sun Nov 26, 2017 04:34 pm Post Subject: Repairs
How long do you have to send proof of repairs done to your home. Is it a year?
Posted: Fri Dec 29, 2017 01:38 am Post Subject: keeping a claim check
if I receive a check for damage to my house and wish to give the house back to the bank can I keep the insurance money
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Posted: Fri Jan 26, 2018 03:02 am Post Subject: ACV
A home owner received an acv check for damage to her roof and siding. She had a replacement cost policy, the roof was replaced but since the siding had only miner damage, she planned to keep the acv money for the siding. When she filed for the depreciation for the roof, the insurer reduced the amount of the depreciation for the roof by the amount of the acv for the siding. Is this legal? Can a homeowner lose their acv money for items they elect not to repair?
Posted: Sun Mar 18, 2018 10:59 pm Post Subject: Keeping insurance claim money
I am a contractor and have worked with many insurance companies. While every insurance company is different, it is illegal to keep money from a claim and not get the work done that they gave you the money for. They will expect something from you showing the work was done if that is the policy to do that. They can come back at you for the money you kept and court costs if necessary. On top of that they will drop you and it will be hard if not impossible to get home I surface after that. Just get the work done. The money isn't for your to spend it's to fix your house and insurance company would not have given it to you unless they deemed it necessary. Later on down the road when the damage gets worse it will cost you way more money and you won't be able to file a claim for the same damage.
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Posted: Thu Apr 05, 2018 12:36 am Post Subject: Roof question
So I got paid to replace my roof 7 years ago from a hail storm. But never replaced it and used the money to pay my late mortgage payments. Now 2018 another hail/ tornado has hit my house and definitely need a new roof now. Even if I had a new roof put on after the first storm it would still have been damaged in the second Storm. So will I be in trouble if I try another claim?
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