by erb1953 » Sun Dec 30, 2007 05:13 pm
I am in a rent to own situation, I carry my own insurance on the home, about a month ago I came home to find a pick up truck in the middle of my deck that was just finished two weeks before that, I had not even had time to get furniture on it yet. I could have just cried, all the hard work in the evenings after work and on the weekends all shifted and crooked. The truck also shifted my chimney over. I want the insurance company to pay for the repairs on the chimney too, the impact knocked items off my walls and kitchen counters, I am really surprised that the truck did not come through my kitchen.
The individuals car insurance wants to settle the claim for $4000, I have almost that in the deck in the treated lumber, it is a pretty big deck with a ramp leading up to it. It sits second story. I am not happy with this amount, so my question is, will my homeowners step in and make the car insurance company pay for the other damage to the home, chimney and such. They will be the ones insuring the damaged property so I would think that they would have some interest in making sure the repairs are done right. I am asking for any advice at all here, dealing with two different worlds of insurance is confusing me car insurance vs homeowners insurance. thank you in advance for any advice you can offer.
The individuals car insurance wants to settle the claim for $4000, I have almost that in the deck in the treated lumber, it is a pretty big deck with a ramp leading up to it. It sits second story. I am not happy with this amount, so my question is, will my homeowners step in and make the car insurance company pay for the other damage to the home, chimney and such. They will be the ones insuring the damaged property so I would think that they would have some interest in making sure the repairs are done right. I am asking for any advice at all here, dealing with two different worlds of insurance is confusing me car insurance vs homeowners insurance. thank you in advance for any advice you can offer.
Posted: Tue Jan 08, 2008 05:02 pm Post Subject:
I hope that all is well with him now. Boy this post just goes to show you that you have no clue of the big picture that is going on in ones life until you start getting to know them in a thread. Sounds like you have a lot to worry about but yet you seem to look at the bright side of life.
Good for you that you don't resent these types of people, no sense in wasting your energy on them, if they don't have enough motivation and conviction or want a better life for thier families, shame on them. I personally could not live on the amount of the government check, hell that would not even cover my groceries for a month or gas. Well maybe.............. no, think I will keep my job and continue to be productive. I will be better off that way, LOL.
Glad to hear that you are getting some help anyway, good people sometimes win, this is great news for you, hopefuly things will continue a smooth sail for you.
Posted: Sun Jan 13, 2008 12:45 am Post Subject:
Finally got everything straightened out with the insurance company, I should be recieving my check here anytime. thank god, It took months and now come spring I can get my deck fixed and get out there and enjoy it. I am glad this headache is over, I hate dealing with stuff like this. thank all of you for all your help.
Posted: Mon Jan 28, 2008 08:29 pm Post Subject:
hope all went well with this, any updates? :roll:
Posted: Mon Jan 28, 2008 08:47 pm Post Subject:
I am so glad Erb that everthing is coming together for you.Remember we all need a helping hand some time .A person never knows when something will befall them and they may be the one who needs help.Maybe that tax rebate will come in handy for you. thats something to look forward to,huh?
Posted: Thu Jan 31, 2008 03:44 am Post Subject:
Well, I got my check and put it in the bank, I will fix my porch come spring. I am getting my new furnace in here in a day or two, so I am very grateful there. Seems like things are falling into place finally.
Posted: Thu Jan 31, 2008 11:35 am Post Subject:
That is great erb, one more worry that you can tuck away right. Your next one will be finding a contractor come spring, so while you are sitting around in the bad weather, you may want to be pulling out the phone book and looking them up. They can't work on it now but they can come out and look and give you an estimate. Maybe you could get on somebody's to do list anyway.
Posted: Fri Feb 01, 2008 10:51 am Post Subject:
Thought about something else erb, are you considering any of the contractors that you got to give you an estimate? The reason I thought about these guys is that they already have an idea of what the damage is and probably could just look at the paperwork at this point and put you on the calendar.
I think if you wait to start calling them in the spring that you will be put on the back burner, these guys start scheduling work during their down time. Just a thought. :D
Posted: Sat Feb 02, 2008 11:05 pm Post Subject:
Good to see that everything has worked out for you erb, so you got your check finally, hopefully it is what you wanted. Did you think about what good natured said about getting hold of the contractors now, that makes sense. Like she said, get on the calender. glad to see this all worked out for you.
Posted: Sat Feb 02, 2008 11:56 pm Post Subject: ins comp.
I dont know how to determin the best companies but I know a few that are rip offs. I have one company that wouldnt pay for my carport when a tree fell on it in a winter storm they said I should of gotten up there and knocked the snow off and it wouldnt of fallen. can you see me hanging from a tree knocking snow off. Im 66 years old
Posted: Sun Feb 03, 2008 02:13 am Post Subject:
No, don't be climbing no darn trees these guys are nuts, they should not even recommend to any one, young or older.
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