Back to insurance complaintsAugust 22, 2013
Insurance Company: The Travelers Companies
Coverage Type: Homeowners Insurance
- Claim Handling - Unsatisfactory Settlement/Offer
- Claim Handling - Denial of Claim
i made a claim back in march for hail dammage and the adjuster came out and said the hail was to small to do any serious dammage but they still payed for 2 inside rooms ceilings to be removed and replaced the chimney cap and some gutter downspouts. after we resubmitted because i had 6 roofers come out and inspect and the 1 who would even try to repair was the roofer they suggested all the others wouldn't even try to repair. after i went through all of this they sent out a forensic engineer who told us that birds were trying to get seeds up from under the shingles. there are probably 6 of my neighbors who have replaced their roofs from the same hail storm
i have already took out a loan and set up roofers to replace my roof i just wanted to help the next poor person because i thought travelers was a repetable company but i know better now. we are going to drop them as soon as the repairs are done on my house
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August 27, 2013 at 8:09 PM
Before you do the repairs you have several options here, First you as the homeowner can ask for apprasial. You can do this by hiring a Public Adjuster in your state. He or she gets a persentage of the claim after it is approved. If this fails you can hire an attorney in your state and bring suit for Bad Faith Claim Handling which usually brings in triple damages. Most attorney's will do this as a percentage of the claim. Most forensic enginners are in the pocket of the insurance company so they will write the report in favor of the insurance company not you. If you make a firm stance now the insurance company will not want to do a drawn out battle in court. If you read the manufacturers technical services bullitions It states that hail Damage is irreversable so it cannot be repaired the roof must be replaced. So if the granuals have been dislodged and have become disbonded your roof cannot be repaired. All of these are available online in all of the web-sites from the manufacturers look under hail damage and all warranty's are void no matter if it was just installed or not.