Looking for advice on the insurance adjuster process for hail damage
We had a State Farm adjuster stop by today due to hail damage. He wrote out two checks for replacing the north siding, roof, window screens, and a few other things. He suggested getting in touch with our mortgage company first as they are included on the check. Then he recommended we get in touch with a contractor to fix the damage.
A few questions:
1) How much is too much to point out to the adjuster? The south side of our house also has a few small cracks and dings. An amount is included for the screens on that side, but not the siding.
2) Is the correct process the one he suggested, or am I accepting State Farm's amount by proceeding with contacting the mortgage lender about the check?
The amount itself seems decent, so I'm just not sure if I'm maybe being *too* picky. Any thoughts or advice?
Did you mention any of this to him while he was there?
If not and your that concerned call him back and ask for him to come back. They miss stuff all the time and would just need some pictures prove the loss to write up an amended claim.
Hail damage and contractors that service it can be a total scam. There are contractors that literally chase storms right behind fools that look for tornadoes. The contractors move into hail damaged places, print business cards, stay in nice hotels, and milk the unsuspecting.
Do not cash the adjustment checks until you get real estimates from real local contractors. State Farm is not bad with claims but their actuaries factor in these gypsy contractors into what things cost. You can and probably deserve more than the band aid the adjuster has offered.
State Farm and all insurance companies make money settling and having you sign off quickly. Sometimes it works out. Usually holding out for reasonable estimates will serve you better. I know you do not want your house looking like it was hit by a space alien baseball team but be patient if you can. You paid premiums all these years right?
roofer told me never say anything to an adjuster during a walk around as i had complete roof ripped after a nor'easter keeping my mouth shut he threw in the garage roof $2500,$3000 for a fence that coat me $200 to install,3 ceilings repainted $500 each one from water drips.... your premium will increase by years end also with this claim.i ask the claims guyat the end on pointing stuff out? he said it is the worst thing a home owner could do,and that he does it as his profession and it does effect the final amounts
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