by Guest » Tue Aug 09, 2011 02:09 pm
Upstairs tub overflowed (June 23), and flooded upstairs causing extensive damage there and downstairs where the ceiling crashed into our master bedroom. Damage to walls, electrical, wood floors, etc.
Servpro comes out 2 days later to dry everything up, and take our rugs to clean and dry. Adjuster comes out 2 WEEKS later. Briefly and stoically assesses and says that she'll send out her estimate for repairs the next Monday (3 days later). 2 WEEKS later I get an estimated that is about 3-4k lower than my contractors estimate. I send her his estimated immediately after I get hers. Still no reply from her (2 more WEEKS and counting). I cannot get her on the phone, only occasionally does she reply by email...
It has been about a month and a half with this damage in the house. I have complained to her boss, and he was nice... alas, still no movement on this. I did receive a check from her in the original amount (I have not deposited it, nor have I had any work done on the house). I would like to have the work done... Is this a case where I should/could sue?
Servpro comes out 2 days later to dry everything up, and take our rugs to clean and dry. Adjuster comes out 2 WEEKS later. Briefly and stoically assesses and says that she'll send out her estimate for repairs the next Monday (3 days later). 2 WEEKS later I get an estimated that is about 3-4k lower than my contractors estimate. I send her his estimated immediately after I get hers. Still no reply from her (2 more WEEKS and counting). I cannot get her on the phone, only occasionally does she reply by email...
It has been about a month and a half with this damage in the house. I have complained to her boss, and he was nice... alas, still no movement on this. I did receive a check from her in the original amount (I have not deposited it, nor have I had any work done on the house). I would like to have the work done... Is this a case where I should/could sue?
Posted: Tue Aug 09, 2011 06:53 pm Post Subject:
If her boss told you something that did not happen, call the boss back again and explain. If this does not work, call the bosses boss. This should get the problem solved.
Here is part of the problem... can your contractor repair everything for what the adjuster wrote down? Do you know what the differences are? Ask your contractor to call and discuss the repairs and cost with the adjuster. As far as we know, you have actual cash value (depreciation applies) and not replacement cost. If you have RCV, perhaps the difference is a hold back... your insurance paid ACV until you have the work done and than they pay the difference. Perhaps its a combination of these things.
Have you read your policy to see if it allows you to file suit? It probably contains an arbitration clause that you are bound to.
File a complaint with your states Dept of Ins.
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