Go Back   DIY Chatroom Home Improvement Forum > DIY Repair > General DIY Discussions

CLICK HERE AND JOIN OUR COMMUNITY TODAY...IT'S FREE!

Reply
 
Thread Tools Search this Thread Display Modes
Old 06-28-2012, 09:36 PM   #1
Newbie
 
Join Date: Oct 2010
Posts: 4
Share |
Question

Looking for advice on the insurance adjuster process for hail damage


Hi all,

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?

Thanks,
- Matt

Mateo1041 is offline   Reply With Quote
Old 06-28-2012, 09:59 PM   #2
Member
 
Join Date: Nov 2011
Location: Hartfield VA
Posts: 26,246
Default

Looking for advice on the insurance adjuster process for hail damage


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.

joecaption is offline   Reply With Quote
Old 06-29-2012, 05:27 AM   #3
Too Short? Cut it Again!
 
Join Date: Sep 2009
Posts: 9,635
Default

Looking for advice on the insurance adjuster process for hail damage


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?
user1007 is offline   Reply With Quote
Old 06-29-2012, 06:04 AM   #4
Member
 
biggles's Avatar
 
Join Date: Jan 2008
Location: Long Island
Posts: 3,627
Default

Looking for advice on the insurance adjuster process for hail damage


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
biggles is offline   Reply With Quote
Reply


Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Fraudulent Insurance Issues Roofmaster417 Roofing/Siding 4 07-13-2011 08:29 AM
Theres water where ?? pwa Flooring 28 06-14-2011 07:45 PM
What kind of roof is this? cwelte Roofing/Siding 16 02-23-2008 01:17 AM
How do I get insurance? ETD66SS Building & Construction 2 06-19-2007 03:16 PM




Top of Page | View New Posts

Copyright © 2003-2014 Escalate Media. All Rights Reserved.