#2416361 - 06/13/11 01:51 PM
Re: Need advice....
[Re: RutMan]
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Stoner
6 Point
Registered: 10/03/06
Posts: 653
Loc: Florida
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You have been more then patient. The magic words that will get the insurance companies attention is that you attorney stated the case is not being handled in “Good Faith”. Put it in writing and state that date you filed your claim and that you have not seen or heard from any insurance adjustor representing their company. You should also state by their failure to act you have suffered consequential damages due to the leaking of the roof. If you are getting mold in the residence let them know they are creating a health hazard. When you submit your claim make sure you get reimburse for any incidental items such as the tarp and any other item you had to purchase to prevent addition damage. Unfortunately some insurance carriers play the game of holding out on paying until they absolutely have to. Most people do not know their rights and the insurance carrier with make money on their ignorance. I practiced law for many years and have dealt with many sleazy insurance companies. Document everything in writing. Hopefully your carrier is not Direct General out of Nashville.
Edited by Stoner (06/13/11 01:52 PM)
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#2416401 - 06/13/11 02:45 PM
Re: Need advice....
[Re: Stoner]
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Hangnail
12 Point
Registered: 11/30/00
Posts: 6148
Loc: Murfreesboro, TN
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Most likely, you're responsible for the mitigation of loss, in other words, to tarp the roof if needed. If it needs to be retarped, do it again. Don't give them a reason to deny any part of your claim. They will pay you for your time and trouble spent to keep their claim amount down. Talk to the adjuster about that. All of the insurance companies are swamped in East Tennessee and the farther you are from a major population center, the longer it may take for them to get to you. From what I know, the Good Faith mentioned is for them low balling their pricing or denying a claim. They haven't even seen yours yet. I'd call your agent every day and let him know you're gonna be calling every day until you get some answers. Ask him if it would be within your rights to slow walk your premiums like they're slow walking your claim.
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#2416417 - 06/13/11 03:10 PM
Re: Need advice....
[Re: tnfirefighter]
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tnfirefighter
8 Point
Registered: 10/11/04
Posts: 1598
Loc: East Tennessee
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Ive been with farm bureau for 26 years, never had an issue. Only had 1 claim and that was storm damage in 2000 when a twister tore my front porch roof off. Its like someone was saying earlier custermer service is getting pretty bad these days a phone call from an agent or whoever sure would ease alot of tension or worries in cases like this.
_________________________
Walk by faith, Not by sight
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#2416443 - 06/13/11 03:45 PM
Re: Need advice....
[Re: tnfirefighter]
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Hangnail
12 Point
Registered: 11/30/00
Posts: 6148
Loc: Murfreesboro, TN
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I understand where you're coming from. I tell all of my customers or potential customers that the next time their insurance company calls to ask if they've been damaged, it'll be the first time. Farm Bureau isn't the first insurance company I would call if I was to change carriers. Matter of fact, I wouldn't call them at all. They have low premiums, but it's like most other things in that you get what you pay for.
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