My experience is, just like in an auto collision claim, if further damage is
uncovered the adjuster will come back and reappraise his original estimate
and give you the money to fix the newly uncovered damage.
... and if it's just like an auto collision claim*, that answer only
applies if it's a _good_ insurance company. So watch them like they're
crooks, and act toward them like they're friends.
* Dad's shop started out as a collision repair company -- some insurance
companies are really good at taking care of their customers -- some
aren't. We had one guy working for us for a while who sold out his shop
& retired to working on classics for my dad. He liked to walk by
Allstate offices with his hands cupped just like in the ads, catch the
eye of the sales guy, then open his hands like he was dumping a formerly
treasured object in the mud. You have one guess as to what he thought
of "You're in good hands with Allstate."
Control system and signal processing consulting
I hate those bastardswith a passion . Dicked me around for five years , I
ended up with less than ten grand and a lower back that'll hurt for the rest
of my life . <<tail ended by a Toyauto , on my Harley Sportster , which was
And I had to fight tooth and nail to get that much .
Never had Allstate but the guy who fell asleep and plowed into my house
wrecking my deck , yard and broken window did...The asshole who showed up to
look at it offered 600 bucks..I told him to get off my property and they
would hear from my lawyer...Several months later just before trial they
settled for the middle bid (2500)of the 3 that I got which is all I wanted
in the begining...It also cost them my lawyer costs but I was without front
steps for several months...
I had a similar experience last year after a hurricane took a part of my
roof off. I had the State Farm adjuster come by and survey the damage. A
few days later I got the estimate. In the meantime, I was told of a
local independent adjuster that works for you. I called and he came by a
did his survey. His inspection uncovered much more damage then the State
Farm adjuster. He contacted State Farm and they met at my house and
together they did a walk around to see who was right.
State Farm sent me a corrected estimate it was several thousand dollars
more. They agreed with everything my adjuster found.
My adjuster charged a flat fee and it was reasonable. Check it out...
Now THIS was an eyebrow raiser! I'll definitely look into this.
I'm wondering if a contractor himself can do a similar function -- at least
for his given trade, such as roof, visavis interior damage.
I'll see what one roofer, who I really like, thinks. If he thinks the
insurance guy was in the ballpark, I'll forego any squabbling, but if he
thinks it is low, I'll weigh his effectiveness vs that of an independent
But it's a great option!
I'd get the bids from a couple of people (you'll probably have to do
that anyway) and see what they look like. If close, I'd go back to the
first guy and ask him about it. If not close, I'd go back to the first
guy and ask him about and only go for the public adjuster if your
insurance adjuster blows you off. Any other seems like too much work.
Especially since if the bids are close you know the adjuster was good.
I get off on '57 Chevys
I get off on screamin' guitars
You MAY not get the full value of some things..Like a 10 year old AC unit or
a 20 year old roof..It will be pro rated..Unless like me you have
REPLACEMENT insurance wihich is a bit more costly but no worries...HTH...
I wonder if different states have different regulations? In Texas (I think)
the state pretty much tells the insurance company what they can and cannot
do. When I purchased my homeowners ins I wasn't aware of an option and I
deliberately purchased the cheapest I could find. They just replaced my roof
outright and applied a $1800 deductible. Ouch!
What does you policy say about repairs? Do they help with the contractor?
Have you asked your agent? If that is not the final settlement you can
easily go back for more or tell the insurance company to "make you whole", a
term that says they will put you back to wherey ou were before the damage.
I just went through a couple automobile insurence claims re: car
accidents by my hell-on-wheels daughter.
I learned that the "settlement" is just an "offer", and can be
refused or accepted or negotiated like any other "sale", at least in
re: to a totalled car. The offer was generous and I jumped on it.
The insurence company paid the claim for the other accident (~$5k
estimate, $7.5k out the door) without question (I used a preferred
I don't know how it works with homeowner's insurence..... yet.
Depends on the company. I had Amica 23 years ago and they all but accused me
of damaging my own house to cause water damage (the upstairs toilet tank
cracked). Okaaay, since I was away at the time, and the only room damaged
was my gorgeous kitchen (I'd only bought the house 2 years before) why would
I do it? The kitchen I have now is fine, but it's not as nice as the one I
had before the damage, because I just took the money they gave me. I
couldn't afford to put in the same top-of-the-line fixtures that were there
when I bought the house. Amica told me, "You don't need to replace the
drywall, just spray anti-microbial on it and paint over it." Umm, ok, half
the drywall on the ceiling had dissolved and was on the floor, and the what
was left on the ceiling was black with mold. Yeah, I'm going to just cover
that over with paint. Uh huh. At least I insisted on having the obvious
damage repaired properly.
I switched to Allstate after the "great kitchen flood" and 2 years ago, when
a heating pipe burst in the wall they were great. They not only had people
out to dry out the house and rip out the soaked floors and drywall, they
didn't consider the claim "settled" until I had submitted the final bill
from my contractor. It didn't seem like much in the beginning, but the
electrical box had to be replaced because it was directly underneath the
leak, and the leak wasn't discovered for probably 2 days. It took that long
for water to appear in the front hall and by then it was "raining" all over
the basement. All I had to do was fax over the electrical estimate and I had
a check in 3 days.
Of course, between my car and my house I've had insurance for 35 years and
only filed the two claims for the house.
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