Paid on "Incurred" Basis Only

[misterblue]

Sounds to me YOU screwed this up, if you arent happy, then call a different contractor, I would bet my life there is more than one, especially if he wants all the money upfront, kick em to the curb,

OR, you have the option to let State Farm use one of their contractors.

Things sound like they were dont right, but YOU dont understand insurance terminology, Have you called your STATE FARM AGENT yet?

You wrote this.......I planned on fixing the roof myslf, or waiting til next year. But now your bitching that you want it fixed. well, appears you cant make up your mind now can you.

I am sorry, if the insurance company wants to pay 17,500 and you want more just because of your hassles, well, whatever, you get what you get.

We are speaking English here, aren't we?

I NEVER said I want the roof fixed. State Farm separated the claims, they made that decision, not me. Then they changed it and combined the claims. So now I need to get a comprehensive estimate for the whole job.

If I didn't stick up for my rights for the past 4 months, I would have gotten only $4,500 for the job and it could not be completed. You have to stick up for your rights as a consumer because insurance doesn't want to pay you what's fair.

You're right, I do need to call a new contractor. It's tough in September to get someone decent.

I won't resort to calling my agent just yet. I'm trying to let the adjuster do what's right. I didn't understand the "incurred basis" payment initially, but now I see that this is common practice.

You seem very antagonistic Mr. RBA, you must be an adjuster yourself and can't see things objectively.

 

[Guest]

Mister Blueballs, Nope, I am not an adjuster, but one of your posts says you wanted to wait to fix it, then in another post, you say I WANT MY HOUSE FIXED.....talking out both sides of your mouth.....

CALL YOUR FRIGGIN AGENT, thats what they are they for, they will explain everything to you and hold your hand throughout the claim process, When a claim happens, that is when an Agent is MOST important.

Are you always stoned or something? I don't care what month it is, in this economy, there are contractors begging for work, I could make 5 phone calls and have 4 contractors at your house within an hour.....

It is obvious you dont understand insurance so simply, CALL YOUR AGENT, isnt that why you chose a company with agents and not called an 800 number?

Granted some agents dont get too involved in the claims process, but I do. ANd if you call and bitch to your agent, he can make some calls and get stuff rolling,

Additionally, call your agent, get a referral from him/her for a contractor, one they work with and trust and kow they will do the job right.

You seem hardheaded and want to handle this yourself, unless you know alot about insurance, don't try it. You will lose. Remember, insurance is a contract, and you probally dont know what is written in the contract, use your friggin agent for help in understanding and explaining things.

 

[VolAgent]

We are speaking English here, aren't we?

I NEVER said I want the roof fixed. State Farm separated the claims, they made that decision, not me. Then they changed it and combined the claims. So now I need to get a comprehensive estimate for the whole job.

If I didn't stick up for my rights for the past 4 months, I would have gotten only $4,500 for the job and it could not be completed. You have to stick up for your rights as a consumer because insurance doesn't want to pay you what's fair.

You're right, I do need to call a new contractor. It's tough in September to get someone decent.

I won't resort to calling my agent just yet. I'm trying to let the adjuster do what's right. I didn't understand the "incurred basis" payment initially, but now I see that this is common practice.

You seem very antagonistic Mr. RBA, you must be an adjuster yourself and can't see things objectively.

Call your agent. It is why he gets a commission, to help you when needed.

The fact the company doesn't want to pay except when the work is done is perfectly reasonable. The problem is, the adjuster and the contractor aren't on the same page, probably due to some greed on the contractor's part.

And never think the contractor is on your side. The contractor is always on his own side, he only sides with you when it meets your needs. Your agent is the person who should be on your side. Your agent has an interest in this being resolved to your satisfaction, as least as much as is possible. The agent wants you to be happy so he can retain your business and hopefully get referrals when you tell people how well he did for you. Your mistake is not getting your agent involved in this.

The adjuster is also going to have his interests aligned with you, to a degree. The adjuster is responsible for ensuring the insurance company meets its obligations under the contract to repair the damage. Until that is done, its an open claim that is just a liability to the company. Everyone wants to get this resolved and behind them, the longer it drags out, the worse it is.

A smart move would be to sit down with your agent and the adjuster. Come up with a game plan to get the damages repaired to your satisfaction while allowing the company to ensure its not being defrauded. Odds are, its past time to find a new contractor.

 

[misterblue]

Red Blooded American... Your proctologist called... Your x-rays came back and they found your head.


Vol Agent... Thank you for giving me some very sound advice. I appreciate you explaining the dynamics of all the relationships. I now find it strange that, although I first filed my claim with my agent, they have never contacted me to find out how the claim turned out. If it's their job to help me, I don't know why they didn't reach out. The adjuster is employed by the insurance company (State Farm) so I figured they were all birds of the same flock. Thanks again.

 

[VolAgent]

Red Blooded American... Your proctologist called... Your x-rays came back and they found your head.


Vol Agent... Thank you for giving me some very sound advice. I appreciate you explaining the dynamics of all the relationships. I now find it strange that, although I first filed my claim with my agent, they have never contacted me to find out how the claim turned out. If it's their job to help me, I don't know why they didn't reach out. The adjuster is employed by the insurance company (State Farm) so I figured they were all birds of the same flock. Thanks again.

Get this fixed, then it might be time to find a new agent. The adjuster works for the home office. The agent works for himself, even though the sign says otherwise. A smart agent has a vested interest in keeping policyholders happy, so he can keep business and find new business.

Something else to consider. You may just be a royal pain in the a** that everyone hates dealing with. You catch more flies with honey than sugar.

 

[Guest]

WOW, my feelings are hurt,

 

[joshb]

I have a hard time believing you can't find another contractor willing to work with you... In this down economy they can't get enough work, let alone $17,500. You should ask the adjuster to refer you to another contractor. As an insurance agent, we see contractors offer homeowners one price, as soon as they start talking with insurance companies and see deeper pockets, that price goes way up. I guarantee if you contact that same contractor without having an insurance claim your price would be thousands less. At least that's how it is down here in FL. Although we also see the other side that homeowners want the cash and never get anything fixed.

State Farm is a very good company and pays claims very quickly and efficiently in most cases, with little complaints, so there's probably more going on that you don't know about (or maybe you do I don't know).

I am not a State Farm agent and they are actually my biggest competitor, but I have to say, in my area their claims service is phenomenal.

 

[ECP]

Look into hiring a company called Paul Davis Restoration. They will likely sub out the work but they will act as a GC (General Contractor) on the project. If two or more trades are involved, siding and roofing, overhead and profit is normally placed on the estimate for someone like Paul Davis Restoration. Paul Davis Restoration also uses the same software most insurance carriers estimate in, so there are typically fewer items of contention.

Sometimes its best to have someone who deals with insurance repairs versus your handy man down the road.

Just my two cents.

 

[joshb]

Look into hiring a company called Paul Davis Restoration. They will likely sub out the work but they will act as a GC (General Contractor) on the project. If two or more trades are involved, siding and roofing, overhead and profit is normally placed on the estimate for someone like Paul Davis Restoration. Paul Davis Restoration also uses the same software most insurance carriers estimate in, so there are typically fewer items of contention.

Sometimes its best to have someone who deals with insurance repairs versus your handy man down the road.

Just my two cents.

I second Paul Davis, we refer ALL of our claims to Paul Davis restoration. Top notch company. They'll keep the cost low (although cost shouldn't matter to you as long as you get put back in the same position you were in before the loss) for the carrier and do an excellent job with the restoration and build back.

 

[jonesmiyh2011]

Back in APRIL I sustained serious hail damage to one side of the aluminum siding.... ins. company then sent over an adjuster and a roof inspector. The company separated the costs and mailed me a check of approx $1000 for the roof, and $4500 (minus $1000 deductible) for the siding damage. It had since come to my attention that the siding can't be replaced, they just don't sell anything similar, period. The adjuster came back to my house about 4 more times over the summer, taking pictures, making phone calls, until he conceded that they just can't find anything close.