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 Posted: Mon Jun 08, 2009 11:36 am Post subject: Home owners policy nonrenew |
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| Slavonic insurance in texas did not renew my policy after i filed a claim . |
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geasr
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| Posted: Mon Jun 08, 2009 1:44 pm Post subject: |
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| I like ice cream. |
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tcope
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Location: Salt Lake City, UT
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| Posted: Mon Jun 08, 2009 4:26 pm Post subject: |
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| Quote: | | Slavonic insurance in texas did not renew my policy after i filed a claim . |
I can guess what your question is...Is there anything you can do about it or is there a reason why they dropped you??
The answer is yes...to both questions. You have become too significant of a risk (unless of course your claim was fraudulent or excessive...then that may be the specific reason). Your only recourse (after an appeal which never seems to be successful) is to find another company to insure you!
I like ice cream.
I do too...particulary rocky road.
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ChrisBantly
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| Posted: Mon Jun 08, 2009 4:42 pm Post subject: |
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| Thank you . my claim was what the insurance adjuster told them . The insurance company did pay a part of my claim . My insurance co paid 8,000 and my adjuster said i had 42,000 indamages. I was with them over 15 years . No late payments and they gave no reason why? Texas Insurance said it was illegal to not renuew my policy. |
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geasr
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| Posted: Mon Jun 08, 2009 4:55 pm Post subject: |
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| Quote: | | No late payments and they gave no reason why? Texas Insurance said it was illegal to not renuew my policy. |
They cannot non-renew a policy for any reason? I doubt that. If they did not give you a reason then you don't know why they did not renew the policy.
I found no information on the TX DOI website that would not allow a carrier to non-renew a policy for any reason nor have I ever heard of any state not allowing a non-renewal.
However I did find the following:
22. USE OF CLAIMS HISTORY TO NONRENEW . Your insurance company cannot use claims you filed as a basis to non-renew your policy unless:
· you file three or more claims in any 3-year period; and
· your insurer notified you in writing after the second claim that filing a third claim could result in non-renewal of your policy.
Have you asked your carrier why they did not renew your policy? |
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tcope
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| Posted: Mon Jun 08, 2009 5:00 pm Post subject: |
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| Thanks My attorney is working on it . If they had gave me a reason i would like to know. I can't find anyone in this area that had or has Insurance with Slavonic mutal fire association in dickerson texas or harris county texas . |
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geasr
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| Posted: Tue Jun 09, 2009 5:03 am Post subject: |
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Sorry Geasr, but I not sure that I've understood your following statement quite clearly.
| Quote: | | My insurance co paid 8,000 and my adjuster said i had 42,000 indamages. |
You had $42, 000 worth of claim but the insurance company paid only $8000 towards it, why is it so?
~Jeremy |
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JeremyHolter
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| Posted: Tue Jun 09, 2009 10:30 am Post subject: |
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| the contractor /adjuster had said my damages was 42000 but the insurance adjuster said it was 8000 Then when i complained more they would not renew my policy after 16 years ,i seem to be the only one in the county that this gas happened to, |
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geasr
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| Posted: Tue Jun 09, 2009 11:26 am Post subject: |
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Geasr, I'm not convinced that the estimate can differ so widely between two adjusters.
What exactly had happened?
What is the nature of damage you have suffered?
Wasn't the contractor present at the scene when the insurance adjuster was inspecting the loss?
~Jeremy |
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JeremyHolter
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| Posted: Tue Jun 09, 2009 12:18 pm Post subject: |
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| The Insurance adjuster was not to good . he failed to get all the information . after about 4 weeks i called the insurance co and ask about the status of my claim they told me there adjuster 's computer went down and he lost all the information . I watched this adjuster he did not write much down and all he had was a manilia folder folded up in his pocket to write on .He did not report the structial damages to my roof ,trees on my roof . fence down. and a 12 x 24 ft room attached to my house that was destroyed from ike. |
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geasr
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| Posted: Wed Jun 10, 2009 12:03 am Post subject: |
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Hurricane….. explains so much without even knowing the specifics.
Wind v. water….No.
3-5% hurricane deductible… (OP stated that the insurance company paid only 8K not considered only 8K, big difference with those hurricane deductibles)
Adjuster was there with the trees still on the roof…. Write to remove trees and add an emergency repair minimum charge for unseen damage and wait for clean up to take care of roof supplement once trees are removed. Repair v. Replacement?
Fence…at ACV, so there is another difference.
The only thing that can’t be figured is the 12 x 24 room that apparently was destroyed.
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Dasfuk
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| Posted: Tue Jun 16, 2009 11:24 pm Post subject: home insurance norenew |
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| still working on why my insurance co did not renew my policy after 15 years |
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geasr
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