by Guest » Sun Jul 10, 2011 08:47 am
I HAD AN ATTACH GARAGE FIRE AT MY HOME IN FEB. OF THIS YEAR. WHEN THE ADJUSTER CAME OUT SHE GAVE ME PHONE NUMBERS OF A CONSTRUCTION AND CLEANING COMPANY. I STARTED WITH PROBLEMS FROM DAY ONE BUT OF COURSE THEY SUGAR COATED EVERY PROBLEM THAT CAME UP, BUT TO MAKE A VERY LONG STORY SHORT THEY DID EVERYTHING WRONG FROM REPAIRING OF THE GARAGE WITH VERY CHEEP GARAGE DOOR OPENER TO POOR DRYWALL JOB, AND A VERY BAD PAINT JOB ON THE INSIDE OF THE HOUSE. MY CARPET,FURNITURE AND BEDS ALL HAVE SOOT STAINING AND MY APPLIANCES DO NOT WORK WELL ANYMORE DUE TO THE GARAGE IS ATTACHED OFF KITCHEN AND SOOT, SMOKE AND HEAT HAVE ALL RUINED THEM, NONE OF THIS THE INSURANCE CO WILL AGREE TO FIX SAYING IT COULD NOT HAVE GOTTEN THAT HOT IN THERE TO HAVE DONE ANY DAMAGE.
WHEN THEY REFUSED TO FIX ALL THE PROBLEMS, OR RETURN MY CALLS, I CALLED THE INSURANCE COMMISSION OFFICE OF MICHIGAN.
THE INSURANCE CO SENT OUT A SUPERVISOR TO TAKE A LOOK,BUT I COULD TELL RIGHT FROM THE START HE WAS BLOWING OFF ALL THE PROBLEMS BUT HE DID AGREED THERE WERE PROBLEMS, AND WOULD PAY TO HAVE THE JOB REDONE,BUT WHEN I REFUSED THE AMOUNT THEY OFFERED ME,THEY SENT A LETTER STATING "THEY WERE GOING TO CANCEL BECAUSE HOUSE WAS NOT OWNER OCCUPIED" BUT WHEN I PROVED IT WAS THEY ANOTHER LETTER TO CANCEL THIS TIME SAYING "THE DWELLING DOES NOT MEET THE DEFINITION OF AN ELIGIBLE DWELLING AND THE CONDITION/MAINTENANCE OF THE DWELLING IS UNACCEPTABLE".
WHAT DOES ALL THIS MEAN, I HAVE A BRAND NEW HOUSE SO WHAT CONDITION ARE THEY TALKING ABOUT? I FEEL LIKE THEY ARE PICKING ON ME. MY HOUSE HAD NO ISSUES UNTIL THE FIRE AND THEN THE BAD JOB THEY DID TO REPAIR IT
WHAT CAN I DO TO PREVENT THEM FROM DOING THIS NOT ONLY TO ME BUY OTHERS AS WELL?
WHEN THEY REFUSED TO FIX ALL THE PROBLEMS, OR RETURN MY CALLS, I CALLED THE INSURANCE COMMISSION OFFICE OF MICHIGAN.
THE INSURANCE CO SENT OUT A SUPERVISOR TO TAKE A LOOK,BUT I COULD TELL RIGHT FROM THE START HE WAS BLOWING OFF ALL THE PROBLEMS BUT HE DID AGREED THERE WERE PROBLEMS, AND WOULD PAY TO HAVE THE JOB REDONE,BUT WHEN I REFUSED THE AMOUNT THEY OFFERED ME,THEY SENT A LETTER STATING "THEY WERE GOING TO CANCEL BECAUSE HOUSE WAS NOT OWNER OCCUPIED" BUT WHEN I PROVED IT WAS THEY ANOTHER LETTER TO CANCEL THIS TIME SAYING "THE DWELLING DOES NOT MEET THE DEFINITION OF AN ELIGIBLE DWELLING AND THE CONDITION/MAINTENANCE OF THE DWELLING IS UNACCEPTABLE".
WHAT DOES ALL THIS MEAN, I HAVE A BRAND NEW HOUSE SO WHAT CONDITION ARE THEY TALKING ABOUT? I FEEL LIKE THEY ARE PICKING ON ME. MY HOUSE HAD NO ISSUES UNTIL THE FIRE AND THEN THE BAD JOB THEY DID TO REPAIR IT
WHAT CAN I DO TO PREVENT THEM FROM DOING THIS NOT ONLY TO ME BUY OTHERS AS WELL?
Posted: Sun Jul 10, 2011 02:25 pm Post Subject:
First... STOP YELLING!!!!!! It's VERY HARD TO READ ALL CAPS!
Are they cancelling or refusing to renew? Two different things. One thing stops your policy within the policy period the other just fails to continue it on after it expires. Two different things.
Feel free to file another complaint with the MI Dept of Ins. This non-renewal/cancellation is a separate matter. Your complaint is that the insurance company is fabricating a reason for not continuing your policy. If it's a non-renewal I don't know how much the DOI can do for you but if nothing else it will get someone higher up at your carrier to review the information. You certainly want to point out that they first attempted to non-renew/cancel for a bogus reason which it appears even the carrier admits was incorrect and now they are just making something else up. Are you using an agent? If so, you need to see what your agent can do for you.
You also want to have your agent start shopping around for another carrier just in case. You don't want to wait until the last moment in case you need to obtain a different policy.
Posted: Tue Jul 12, 2011 12:04 am Post Subject: CAN MY HO INSURANCE CANCEL ME BECAUSE
sorry i didn't mean to make it look like i was yelling.i am just getting the hang of how to work a computer.
i am at a loss to how someone you pay to cover the most expensive items you will ever buy, can give you such a problem when you need them the most. nobody should pay for this.
i did call an attorney today and come to find out he has had several other law suits from the same insurance co., adjuster, cleaning and construction companies, he called them the awful four-sum, but because the amount to fix and replace things is not that much he does not know if he will take the case. is there anyplace us little people can go when these things happen?
i have ms and all this stress has made me so sick that i can barely get out of bed anymore. it seams like i should be able to sue them for all this pain and suffering, harassment, emotional distress bad faith, breach of contract and threats.
some of this comes from threats of being sued from them and the construction co. if i continued the complaints to insurance commission,threats of being canceled because i will not settle the small amount offered to repair their work, the refusal of my replacement cost and missing items saying that because i did not use those items everyday they would not pay to replace them, things like pool and summer supplies, camping equipment, lawn mower and edger/weeder, christmas supplies, power tools and rubbermaid tubs that had not been unpacked yet.even though they gave us some money already. on first day she told us we could file an amendment for any missing items not put on inventory sheets she says no now.
to answer your questions my insurance is paid until December and my agent refuses to talk to me, i did call other insurance co. and they either said they would not cover because i have a claim that was not settled,they wanted to inspect the work done by the insurance or i was now not insurable or high risk.
what is that all about? do i now find myself in a whole new problem now and can they cancel me for these reasons?
i can not find anything on the internet on what they are calling a dwelling that does not meet the definition of an eligible dwelling unit, it's a house.
do you have any idea what they could mean by the physical condition/maintenance is unacceptable. they were told the first day i had ms.my house is not a sty, i am not a hoarder yes it could be cleaner but what house could't? it makes me want to slap a handicap discrimination suit against them as well because i feel like they are saying my home is not clean enough for a handicap. i was a paramedic before i got sick and let me tell you i have seen some houses that would make you ill. and maintenance if they mean plumbing, heating, electrical again it's a new house. wouldn't they have to prove these things at their cost?
well thanks again for any help. i could go on and on and nobody has that much time. als i am sorry but my fingers do not work very well anymore so it's all caps or not for me.
Posted: Tue Jul 12, 2011 03:50 pm Post Subject:
some of this comes from threats of being sued from them and the construction co. if i continued the complaints to insurance commission,threats of being canceled because i will not settle the small amount offered to repair their work
You can't be sued for complaining. And you cannot be cancelled for complaining.
But the insurance company can be put out of business for compelling you to institute legal proceedings in order to collect a claim that should have been paid.
You need to file another complaint with your state's Dept of Insurance and continue to press the insurance company for a proper explanation of the provisions in its contract that entitle it to take whatever action you believe is improper.
i can not find anything on the internet on what they are calling a dwelling that does not meet the definition of an eligible dwelling unit, it's a house.
A "dwelling" policy is usually purchased by a property owner to cover structural damage to the building from covered perils, such as fire. The property owner who purchases a "dwelling" policy does not normally reside in the dwelling, but instead rents it to tenants, who need a tenant's policy to cover their personal property.
A "homeowner's" policy is what an "owner-occupied" dwelling should be covered by. It covers the structure, appurtenant structures (detached garages, fences, patio covers, swimming pools, etc), and personal property.
my insurance is paid until December and my agent refuses to talk to me,
Well, file a separate complaint with the Dept of Insurance about the agent's conduct. Failing to answer a client's inquiry is generally an ethical problem for an agent, and could lead to losing their license.
i did call other insurance co. and they either said they would not cover because i have a claim that was not settled,they wanted to inspect the work done by the insurance or i was now not insurable or high risk.
It's doubtful that an insurance company would refuse to do business with you simply because a claim was in process. That means little to them, aside from unrepaired damage. They would have the right to delay coverage (or exclude coverage for the damaged areas/property) until repairs were completed.
Does having a claim make you a higher risk? In some cases, yes. If there was something you could have done to mitigate your loss (such as better housekeeping), that could be the basis for a substandard rating. When things are beyond your control (as in someone unrelated to you crashes into your garage and sets it on fire), your rating should be unaffected.
Add your comment