- 2,626
Ameriprise is not making me whole and they treat me like I am somehow expecting to much when everything I had has been reduced to 6" of ash and I think I should collect 100% of the insurance I paid premiums for.
My first impression is that you don't understand your policy or the claim process.
All of our trees burned down.
There is a limit of $500 per tree. That's what your premiums paid for.
Our barns burned down.
How many barns and what would it cost to rebuild them with like kind and quality? Your barns are covered for 10% of your dwelling coverage. If your barns were worth more than that you should have bought additional coverage for them.
Ameriprise did not send an adjuster to look and determined we only had a 75% loss for our personal property. They did not tell us that this would change our claim from personal property replacement to actual cash value.
If you have Replacement Cost on your personal property you get the ACV up front and the balance when you have replaced the property. That's what the policy says. That's what your premiums paid for.
They then said a third party would help us do an inventory.
That's up to you. You could do your own inventory.
We can not replace it for 75%.
Yeah, I got the same responses from my policyholders. Nobody says you have to replace it for 75%. You replace it, submit the receipts and you get more money.
The insurance company will not compensate us for the many hours of work involved.
That's right. Your policy doesn't cover your time.
Look, you had a tragedy, your house burned down, I understand that. But you made assumptions about your insurance that just aren't based in reality. Nobody is ever happy with insurance claims and nobody ever gets 100% of everything they think they should get.