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re: Isnurance company denied my roof hail damage claim. Options?
Posted on 5/3/24 at 4:52 pm to Back to Scat
Posted on 5/3/24 at 4:52 pm to Back to Scat
I had SF up until the last month or so. A roofer came through our neighborhood and a guy 2 houses down gets a new roof through USAA. He inspects mine and says we should have enough damage for a claim (recent hail storm in AP). SF comes out and says damage is less than deductible. Roofer suggested taking a shingle off of the roof and sending it out for testing to see if the same shingles are still manufactured (I guess some sort of loophole). I told him no and have since acquired USAA. SF is a joke.
I made a claim with SF after Ida because my entire fence fell down. The SF adjuster told me they wouldn't give me replacement money for the fence because it was older than 3 years old. I said so I need to replace my fence every 3 years to be fully covered? Insurance sucks.
Also, if you have access to USAA I highly suggest trying to acquire it. I thought at first that you needed to have a living parent/grandparent veteran who had USAA in order to qualify for it. Turns out you only need to call them and establish lineage. Now I have it and all of my children have access to it and so will their children and so on and so forth.
I made a claim with SF after Ida because my entire fence fell down. The SF adjuster told me they wouldn't give me replacement money for the fence because it was older than 3 years old. I said so I need to replace my fence every 3 years to be fully covered? Insurance sucks.
Also, if you have access to USAA I highly suggest trying to acquire it. I thought at first that you needed to have a living parent/grandparent veteran who had USAA in order to qualify for it. Turns out you only need to call them and establish lineage. Now I have it and all of my children have access to it and so will their children and so on and so forth.
Posted on 5/4/24 at 11:39 am to dualed
quote:”Other Structures” (like a fence) are usually covered for actual cash value (aka depreciated value) because they have short life expectancy compared to the actual house. Thats not unique to State Farm
The SF adjuster told me they wouldn't give me replacement money for the fence because it was older than 3 years old. I said so I need to replace my fence every 3 years to be fully covered? Insurance sucks.
Posted on 5/5/24 at 7:48 am to dualed
quote:Yeah, apparently SF is not good. We had wind and water damage at our NC place. First question the contractor asked was what insurance we had ... USAA (Pure Insurance). He said "Good, as long as it's not State Farm."
I had SF up until the last month or so. A roofer came through our neighborhood and a guy 2 houses down gets a new roof through USAA.
All said and done USAA was very good
This post was edited on 5/6/24 at 7:15 am
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