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: Wed Feb 06, 2008 12:03 pm Post Subject:
I think the reason she does all that she does is that she does enjoy her job, that is very important, you have to like going to work and if you don't and you are stuck in a crappy job, then find one thing good about it and dwell on that, not the negative. If you dwell on the negative you and everyone around you will be miserable.
Posted: Thu Nov 06, 2008 02:07 am Post Subject:
Winter is a knocking very quickly here, I had a customer today that I had to help do the fuel grant application, older gentleman, hopefully he will qualify.
Posted: Fri Nov 07, 2008 01:18 am Post Subject:
You wouldn't be able to tell it by todays weather...70 degrees in PA is called Indian Summer. Hope he gets his grant too.
Posted: Sat Nov 08, 2008 10:15 pm Post Subject:
He did and the supervisor said that she will personally keep track of him so he has help all winter long. She also applied him for foodstamps. He is 78 and his family put him out, it is a sad situation. He is okay now, I got him a part time job, he has his own trailer with a bed, a stand and a table. He says he don't need much, but it is just plain sad. He got his meds from the va. He say he does not really care if he dies, he goes days with out eating. I am trying to work with him to get him back on track. I feel terrible for him but won't let him know that or he would not take my help.
Posted: Sun Nov 09, 2008 11:40 am Post Subject:
Wow this truly is sad. When your that age you are suppose to be enjoying life not wishing it to an end. I am glad to see he is getting help. I know we talked about this at different times and this is the people who I think truly need the extra goverment help. (vs free loaders).
In any case who is your homeowners through Gn? I know we have the ame type home and I have been shopping around for a while now. Trying to find someone that will define my double wide on a full foundation as a home. It would drop my insurace alot.
Posted: Thu Nov 13, 2008 03:19 am Post Subject:
i live in a double wide also, we have what is called replacement value on the home and the contents. It is really tough to get them to be considered a home, makes no sense to me, we completely removed the tongues and the wheels and axles but they still consider it a mobile home. Now I have seen them moving old houses, old churches and other buildings that had historic value so looking at this I would say that all buildings are mobile and I don't understand what the heck that has to do with insurance. Any one have a clue on homeowner, please chime in here.
Posted: Thu Nov 13, 2008 11:10 am Post Subject:
Thats all my thoughts on this too. I have been told to move my furnace and hot water heater and it would only to have them tell me it still won't do any good. I was just going to wait and do the ceiling downstairs (will hide the beams) but I do not want to take any chance of something happening and then not being covered. My home doesn't even have a mobile home title anymore. It has a deed. Crazy but what can we do about it?
Posted: Sat Dec 13, 2008 05:05 am Post Subject:
I know what you mean fireyone, it is tough to get the same respect as a home owner, they can't disguinish the difference between a double wide as a home and a mobile home. It affects your insurance and what insurance companies will insure you also. I have been turned down because companies do not insure mobile home. I have no wheels or towing tongue left on the home, it is no longer movable.
Posted: Mon Dec 15, 2008 12:04 am Post Subject:
We put ours oln a full foundation,welded it and everytrhing imagineable. I was told by alot of insurance comapnies that once a mobile home always a mobile home. Later we plan on finishing the basement and closing in the ceilings. Hopefully since we have a deed instead of a title we can get a different insurance comapny and get it passed off as a home. I just think it will be hard becasue they will probaly want to know whom we had previous insurance through and if they can pull up the old policy then they will see it was actually mobile home insurance. I really ticks me off because as a molbile home owner you pay almost double for insutance.
Posted: Mon Dec 15, 2008 03:35 am Post Subject:
I have been debating on putting my house and car insurance together with one company. I am wondering if you actually save a lot of money that way? I have been with the same company for years, have excellent coverage at a pretty low cost.
Problem is I would have to shop for both if I have the same experience I just had with my auto insurance, so I am thinking leave the home owners alone. Do you know if you save a whole lot by combining the two?
Add your comment