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Post by Donnie's Rocky Treasures on Feb 10, 2018 12:09:43 GMT -5
Sooooo it's been 5 months since Irma already. We finally heard from the insurance company & according to their "calculations" we do not meet our deductible & they are closing out the file. If we come up with more problems to blah, blah, blah. And so it goes. Sold boat & are now ready to begin work on the house. Mold remediation was a quarter of the deductible, rebuilding will be more. So more estimates, etc & then it goes to our adjuster. Just the name of the game, I guess. So many things to do, not enough hours in a day, not much time to play. Just thought I give you all an update since I haven't been around much. Not even spending as much time on FB these days but still around there, anyway. Anyone else from my neck of the woods having to deal with this kind of baloney?
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Fossilman
Cave Dweller
Member since January 2009
Posts: 20,690
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Post by Fossilman on Feb 10, 2018 12:16:27 GMT -5
Chin up,hope it gets better Donnie.............
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Post by rockjunquie on Feb 10, 2018 12:20:19 GMT -5
Sorry, Donnie. Sounds frustrating. I had no idea that so much damage was done. ![:(](//storage.proboards.com/forum/images/smiley/sad.png) I'm really glad you checked in. I've been missing your posts.
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Post by Donnie's Rocky Treasures on Feb 10, 2018 14:14:03 GMT -5
Thanks Tela, Fossilman. Don't get me wrong, the damage we sustained was no where what the lower Keys had. We had rain blowing in on the third floor through a door on a little lookout point up there. It was pouring down onto the floor of the master bedroom. The tiles have lifted up & have to be replaced. The closet & bathroom area of the same bedroom was leaking water so that whole area will need to be redone. What happened is that there are weak areas up there that need to be cleaned up & redone. Irma showed up places that need to be reinforced. The weirdest part was the water pouring down through the lights in the kitchen on the second floor, so there is damage to the ceiling there. It will all be better in the long run but what Irma showed us is the house is basically built very strong but there are some boo boos that need to be corrected. Once that is done I dare any hurricane to come mess with us. Still haven't finished cleaning up part of the yard but we'll get to that later. Five acres is a lot to take care of.
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Post by vegasjames on Feb 10, 2018 15:27:18 GMT -5
Insurance companies love to play games like this because they know most people will not fight them or cannot hire an attorney to do so. Anyone that does not fight them means more profit for them. There needs to be more consumer protections for people against the insurance companies. People pay their premiums in faith the insurance companies need to honor valid claims.
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zazzy
off to a rocking start
Member since February 2018
Posts: 10
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Finally!
Feb 10, 2018 19:25:42 GMT -5
via mobile
Post by zazzy on Feb 10, 2018 19:25:42 GMT -5
Get your self a public adjuster. Let your adjuster go against their's and now the field is level.
If they had an attorney, you would get one too. No?
Z
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Finally!
Feb 10, 2018 21:48:50 GMT -5
via mobile
zazzy likes this
Post by Garage Rocker on Feb 10, 2018 21:48:50 GMT -5
The question really is, how high was your deductible? Is it required to be high because you live in an area prone to storms or was it by choice? It sounds like you had a fair amount of damage, which isn't objective, it can be determined by estimates. If your deductible was set higher to reduce annual premium, then you will have to sustain more damage to overcome your high deductible.
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