by deenice » Thu Aug 19, 2010 01:31 pm
We had a couple of bad storms recently. It blew the shingles off the roof and the rain cause the ceiling in the bathroom to fall in. When I called Allstate for a copy of our policy so we could read thru it before the claims adj comes, they would only provide a summary. And said they could not email our policy so we could review it. My concern is that when I called in originally I stated that we had a bad storm, yet they only put Wind Damage on the claim. And we don't know how that affects our claim. Can you explain?
Posted: Thu Aug 19, 2010 03:20 pm Post Subject:
Carriers usually have non-adjusters take the initial reports. The use very simple coding to route the claim to the correct area (auto, property, large loss, small loss, etc).
I'd not worry at this point that they might only address just wind damage. I see no reason, given your description, why they would not address the water damage if it came through the roof.
Your agent should be able to have the full policy mailed to you.
Posted: Thu Aug 19, 2010 03:32 pm Post Subject:
First of all, the agent should definitely be able to get you a copy of your policy for you to review. This is not an unreasonable request.
As far as the damage is concerned, You say the storm blew shingles off the roof and that allowed rain to get into the house and caused ceiling damage, that sounds like it is wind damage and the interior damage is as a result of the wind removing the shingles. However, that determination is best left to the adjuster and they will determine this when they come out to look at the home.
There is no real drawback for having a wind claim versus any other type of claim. Weather related claims usually have the lowest impact on your claim history. The only problem is that some policies have a higher deductible on wind/hail damage than other type of claims.
Posted: Fri Sep 10, 2010 01:13 pm Post Subject:
Some policies do have higher deductibles.
However, that determination is best left to the adjuster and they will determine this when they come out to look at the home.
They have their own parameters to determine the worth of losses. These days they're more accurate with the help of new technology.
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