 Jack_in_VAPremium
join:2007-11-26
Mathews, VA
kudos:1 | reply to mityfowl
Re: File a homeowner's claim or not? said by mityfowl:I can't even afford a $1000 deductible policy anymore.
They have forced everyone in Texas to take a 1%, 2% or more % deductible through pricing.
Our deductibles are standard unless it's a hurricane but Homeowners is getting very expensive and Flood Insurance is even worse. |
|
| reply to Dexter
I know this article is a little old but it might be relevant today about C.L.U.E. (comprehensive loss underwriting exchange. Unfortunately, I couldn't find any details if you don't file a claim if you are still marked in the C.L.U.E. database.
--
Illegal aliens have always been a problem in the United States. Ask any Indian. Robert Orben
|
|
|
|
| reply to Dexter
If your rates sky rocket it's going to happen even if you don't contact them. If the rates go up it's going to be an increase for everyone in your area as a group and not on an individual basis.
--
I do not, have not, and will not work for AT&T/Comcast/Verizon/Charter or similar sized company. |
|
Jack_in_VAPremium
join:2007-11-26
Mathews, VA
kudos:1 | said by battleop:If your rates sky rocket it's going to happen even if you don't contact them. If the rates go up it's going to be an increase for everyone in your area as a group and not on an individual basis.
+1 Exactly the case |
|
 MsradellP.E.Premium
join:2008-12-25
Louisville, KY
 ·AT&T U-Verse
| reply to Dexter
Another advantage to filing a claim is that since the tree did hit your house homeowners insurance will also cover his removal. If it didn't hit the house they wouldn't. Just that cost should more than cover your deductible so everything else will be repaired without additional costs to you. |
|
tcopePremium
join:2003-05-07
Sandy, UT
kudos:2 | reply to Dexter
You may want to have a contractor inspect the damage first and let you know. This way you'd know what you are looking at before you called your carrier. So far it looks to be a stump removal, some grass and your gutter. Probably close to your $500 deductible. |
|
Jack_in_VAPremium
join:2007-11-26
Mathews, VA
kudos:1 | reply to Msradell
said by Msradell:Another advantage to filing a claim is that since the tree did hit your house homeowners insurance will also cover his removal. If it didn't hit the house they wouldn't. Just that cost should more than cover your deductible so everything else will be repaired without additional costs to you.
»Re: File a homeowner's claim or not?
Not exactly. I have friends that the Homeowners only removed the part of the trees actually impacting the house leaving the rest to them. They actually had the tree companies cut them 2 or 3 ft off the roof and that was it. After Isabel my homeowners was very liberal but would not pay to take care of the fallen trees. |
|
wthPremium
join:2002-02-20
Iowa City,IA Reviews:
 ·Mediacom
| reply to tcope
said by tcope:You may want to have a contractor inspect the damage first and let you know. This way you'd know what you are looking at before you called your carrier. So far it looks to be a stump removal, some grass and your gutter. Probably close to your $500 deductible.
+1
Roof trusses in attic need a good look and call the city, as that tree stump looks very close to the street and may well be in the cities right of way, which may make it their responsibility to remove, and not yours. |
|
 GrumpyPremium
join:2001-07-28
NW CT
·Comcast
 ·AT&T Yahoo
 ·Callcentric
| reply to Boricua65
said by Boricua65:I know this article is a little old but it might be relevant today about C.L.U.E. (comprehensive loss underwriting exchange. Unfortunately, I couldn't find any details if you don't file a claim if you are still marked in the C.L.U.E. database.
My wife backed her brand new car into a fixed object. I called the insurance carrier and asked 20 questions, but filed no claim. I popped the dent out myself when I discovered access the the backside was easy.
A few weeks later I checked CLUE. They listed a $0 claim for my one phone call. Don't know exactly how that impacts coverage or future rates, but I would have been OK if it wasn't there. One $0 claim is likely of no consequence, but if additional CLUE entries had occurred later on, the $0 claim could perhaps have had numeric significance to an actuarial review.
Lets just say that after thirty years of commercial haz mat transport fleet management, insurance companies are not my best friends. |
|
 DraimanLet me see those devil horns in the sky
join:2012-06-01
Kill Devil Hills, NC
·Verizon FiOS
| reply to Msradell
said by Msradell:Another advantage to filing a claim is that since the tree did hit your house homeowners insurance will also cover his removal. If it didn't hit the house they wouldn't. Just that cost should more than cover your deductible so everything else will be repaired without additional costs to you.
The tree removal cost doesn't factor into the deductible as they said "The city took care of the tree" and only left the stump to deal with though. Given the actual damage the OP said needs to be fixed they will be hard pressed to recover any of their $500 deductible. I had a similar stump removed this year. It cost me $300 and they also removed 3 other smaller stumps and a row of bushes at the same time for that. The stump removal if it's the OP's responsibility should be $200-250, lawn repair maybe $50-75, and the gutter repair maybe $100-150. If there's any structural damage that would make it worth using insurance though.
--
IF YOU FIND ANY MISTAKES IN MY WORK...Please consider that they are there for a purpose. I try to please everyone and there is always someone looking for mistakes! |
|
 DexterPremium
join:2003-08-07
Beverly, MA
kudos:1 | reply to Dexter
The problem is.. I have no idea if there's any hidden structural damage. To be safe (and cover my a$$ should something come up in the future) I called my agent. The insurance company will send someone out to inspect things. Obviously I'm not going to go through with a claim unless they find something substantial.
The city did remove the tree at no cost to me. I've got a friend with an excavator that will come & rip the stump out, the root system obviously isn't very substantial. We had a stump ground a few years ago that left a big mushy spot in my lawn, so I'd rather get it out of there.
I appreciate all the responses!
--
My Pbase Gallery |
|
 Coma Thanks StevePremium
join:2001-12-30
NirvanaLand | said by Dexter:The problem is.. I have no idea if there's any hidden structural damage. To be safe (and cover my a$$ should something come up in the future) I called my agent. The insurance company will send someone out to inspect things. Obviously I'm not going to go through with a claim unless they find something substantial.
The insurance company isn't going to do shit cause it'll cost them money.
I'd suggest you to get a couple of contractors over to give you an idea of any issues they may see.
--
November is National Epilepsy Month |
|
 cdruGo ColtsPremium,MVM
join:2003-05-14
Fort Wayne, IN
kudos:7 | said by Coma:
The insurance company isn't going to do shit cause it'll cost them money.
I'd suggest you to get a couple of contractors over to give you an idea of any issues they may see.
The adjustor will have to look at it, but I would never trust a pencil pusher to evaluate the structural soundness. The adjustor rates about the same as a home inspector...they are able to see glaring issues and might find a slightly concealed issue, but aren't going to find the hidden stuff that will bite you down the road. |
|
 dennismurphyPut me on hold? I'll put YOU on holdPremium
join:2002-11-19
Parsippany, NJ
·Verizon FiOS
·Optimum Online
| reply to Jack_in_VA
said by Jack_in_VA:After Sandy: Tips on filing home insurance claims
quote:
In addition, New York, New Jersey, Rhode Island and 15 other states let insurers include deductibles in their homeowners' insurance policies in the event of a hurricane. Such deductibles vary from 1 percent to 5 percent of the insured value of the home. But each state makes its own determination on whether a storm will trigger those deductibles, so check with your state department of insurance to see if that will be a factor in your coverage.
Mine now is 1 percent but some have 5 percent. Depends on your insurance company and your relationship with it. I can't speak for any other state, but here in NJ, the Department of Bankig and Insurance declared this a 'post-tropical cyclone' storm, and therefore, hurricane deductibles are not applicable by law.
That's great news - my standard deductible is $1,000, but hurricane is over $10k.
The only damage I sustained is my fencing all the way around the yard. The rear fence has missing panels now - it's mostly destroyed - and both side fences are leaning / wavy / broken.
I'm thinking it's claim time. I'm not heartbroken - they're ugly, so I'd like to replace them with a nice vinyl fence. If SF will help pay for that, all the better. |
|
Jack_in_VAPremium
join:2007-11-26
Mathews, VA
kudos:1 | reply to cdru
said by cdru:said by Coma:
The insurance company isn't going to do shit cause it'll cost them money.
I'd suggest you to get a couple of contractors over to give you an idea of any issues they may see.
The adjustor will have to look at it, but I would never trust a pencil pusher to evaluate the structural soundness. The adjustor rates about the same as a home inspector...they are able to see glaring issues and might find a slightly concealed issue, but aren't going to find the hidden stuff that will bite you down the road. You obviously don't know or have never had a substantial loss. The "pencil pusher" is actually a trained adjuster knowledgeable in the damage he or she is looking for.
After Isabel the adjuster for the flood insurance company came from Hawaii and knew what he was doing. |
|
Jack_in_VAPremium
join:2007-11-26
Mathews, VA
kudos:1 | reply to dennismurphy
said by dennismurphy:said by Jack_in_VA:After Sandy: Tips on filing home insurance claims
quote:
In addition, New York, New Jersey, Rhode Island and 15 other states let insurers include deductibles in their homeowners' insurance policies in the event of a hurricane. Such deductibles vary from 1 percent to 5 percent of the insured value of the home. But each state makes its own determination on whether a storm will trigger those deductibles, so check with your state department of insurance to see if that will be a factor in your coverage.
Mine now is 1 percent but some have 5 percent. Depends on your insurance company and your relationship with it. I can't speak for any other state, but here in NJ, the Department of Bankig and Insurance declared this a 'post-tropical cyclone' storm, and therefore, hurricane deductibles are not applicable by law. That's great news - my standard deductible is $1,000, but hurricane is over $10k. The only damage I sustained is my fencing all the way around the yard. The rear fence has missing panels now - it's mostly destroyed - and both side fences are leaning / wavy / broken. I'm thinking it's claim time. I'm not heartbroken - they're ugly, so I'd like to replace them with a nice vinyl fence. If SF will help pay for that, all the better. Governors Promote Lower Deductibles for Homeowners
That's fine but be prepared for big rate increases on your homeowners policies.
Are you positive your policy covers your fence? Better check as mine doesn't. |
|
DraimanLet me see those devil horns in the sky
join:2012-06-01
Kill Devil Hills, NC Reviews:
·Verizon FiOS
| said by Jack_in_VA:Are you positive your policy covers your fence? Better check as mine doesn't. Wind damage (act of god) is covered by my policy. I've had 3 different companies over the last decade and all 3 cover wind damage (act of god). 2 years ago I had a tree fall through the fence. They would have covered the clean up and fence repair but it came out about the price of my deductible so I opted to handle it myself. I'd be pissed if I got some cut rate insurance that didn't cover wind damage (act of god) to a fence!!!!
--
IF YOU FIND ANY MISTAKES IN MY WORK...Please consider that they are there for a purpose. I try to please everyone and there is always someone looking for mistakes! |
|
 John_WPremium
join:2000-04-25
Worcester, MA | reply to Dexter
Careful in MA. Inquiries, for some reason count as claims. Whether you actually get a check for the damage or not. Two claims and they cancel your policy, and your stuck going on the state plan, which is expensive.
If it's close to your deductible, don't even cal them.
--
Team Discovery--BBR Team Helix--Cuz I Care!! |
|
dennismurphyPut me on hold? I'll put YOU on holdPremium
join:2002-11-19
Parsippany, NJ Reviews:
·Verizon FiOS
·Optimum Online
| reply to Jack_in_VA
Yes, it does cover fences.
As for the rate increase - it shouldn't because of the claim.
If you mean across-the-board hikes, that may happen, but it's not because I'd file a claim. |
|
 leiboldPremium,MVM
join:2002-07-09
Sunnyvale, CA
kudos:6
·SONIC.NET
| reply to John_W
said by John_W:If it's close to your deductible, don't even cal them. There is a difference between directly calling a claims or customer service department at an insurance company and calling your insurance broker/agent (who may not be an employee of the insurance company).
Ideally you have a trust relationship with your broker/agent so that you can contact him for advise when needed.
--
Got some spare cpu cycles ? Join Team Helix or Team Starfire! |
|
