Is the insured liable to share the additional cost with the insurer?

Message Author
ampm-bookmark
delicious-small Add to delicious
yahoomyweb-small Add to YahooMyWeb
blinklist-small Add to BlinkList
PostPosted: Fri Jan 23, 2009 11:47 am   Post subject:   

Quote:
The carrier I have all my insurance with does this...if you can stand on one side of the house (or corner) and see the difference they make that uniform...again this isn't in the policy and an adminstrative claims decision.




Will they do it only for a small portion of the home or they will look at the house from every corner and fix it eventually? Who would bear the additional expense? Is the insured liable to share the additional cost with the insurer?
simon
Senior member
Leave a quick message

simon

Joined: 28 Sep 2005
Posts: 543


93.69 Dollars($)

PostPosted: Fri Jan 23, 2009 11:59 am   Post subject:   

Quote:
Will they do it only for a small portion of the home or they will look at the house from every corner and fix it eventually? Who would bear the additional expense? Is the insured liable to share the additional cost with the insurer?
Simon in the case with my carrier, let's say the south side and the east side had 'some' (not entire side) siding damage, they would (if they could not match the siding) replace the siding on both the east and south to be the same...if just the front (east) side of the house, or just the (west) back side of the house had lets say six siding panels that couldn't be matched they would reside that entire 'side'...so that entire side of the house matched..they would pay all of it...and no they don't look at every corner...from the front corners...


_________________

"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr.
Lori
Forum Expert
Leave a quick message

Lori
Forum Expert

Joined: 10 Sep 2007
Posts: 8080

Location: Missouri
287.93 Dollars($)

PostPosted: Sat Jan 24, 2009 12:29 am   Post subject:   

Wouldn't it be hard to even try to match siding after it has been on as little as a couple years. I have a newer double wide and I can see the difference already in the color of the siding. I had to take off a couple shutters so I could kill some bees and was amazed at how much different the siding color was already.

fireyone
Senior member
Leave a quick message

fireyone

Joined: 07 Jan 2008
Posts: 1986


2.38 Dollars($)

PostPosted: Sat Jan 24, 2009 7:50 am   Post subject:   

Fireyone, That's why the whole matching argument shouldn't matter. My house is 8 years old and has never had any siding damage. The siding on the south and east sides of my house are a different color then the west which is protected by my neighbors and the north does not get as much sun.



Lori, line of sight really goes against everything that an adjuster knows about a policy. The first time I was told to apply it, I questioned the examiner immediately. The house had west and south damage. I told her when I stand at the southeast corner I could see siding on both sides that if not all was replaced could be noticed. She said that I should write for the east as well as the south and west. I said fine, but what about when I stand at the northeast or northwest corner……I can see siding on both that won't match. Where do you draw the line? She had me write for all 4 sides. I didn't agree, but followed directions and immediately changed my homeowners to them.

Dasfuk
Senior member
Leave a quick message

Dasfuk

Joined: 27 Feb 2008
Posts: 606

Location: Ohio
24.95 Dollars($)

PostPosted: Sat Jan 24, 2009 11:52 am   Post subject:   

Course you know a policy contract can be 'added' to with the consent of both partys but NEVER taken away from...some companys, no all companys i know of have 'little' bonus type things they do for their insureds...this same company (which i was an adjuster for, for ten years) on their auto policys if you get into an accident with another ''blah blah'' insurance company insured...everybodys deductibles are waived..The carrier I work for now has made 'administrative claims decisions' about four or five times, in the nine years i've been here!....so most likely that carrier for whatever reason make huge concessions...or maybe they just wanted the estimate for all but wouldn't necessarily issue payment for all of it?



_________________

"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr.
Lori
Forum Expert
Leave a quick message

Lori
Forum Expert

Joined: 10 Sep 2007
Posts: 8080

Location: Missouri
287.93 Dollars($)

PostPosted: Sun Jan 25, 2009 3:37 pm   Post subject:   

This happened to me several years ago, with roofing/siding companies and the insurance company going back and forth. They finally agreed to reroof for the amount that the insurer initially gave for both roofing and siding, but only because I refused to accept the terms of replacement siding: current siding is over 20 years old and the company doesn't do roofing, but wanted entire amount to re-side all eaves and overhangs. They wouldn't budge. Roofer does siding, would re-roof but would replace individual pieces of siding with another type and color.



The insurance company said every roofer offered this deal and I should take it and re-side late since it was just edges and a few small holes on the back of the house, none of which affects the integrity of the house.



Eventually, when we decide to sell, it's one of many things I will let the new owner deal with at their discretion.

Lauri
New member
Leave a quick message



Joined: 25 Jan 2009
Posts: 20


11.50 Dollars($)

PostPosted: Mon Jan 26, 2009 2:25 am   Post subject: siding claim  

The insurance company is supposed to bring the dwelling back to the way it was prior the the home being damaged. Don't allow these ajusters to push you around. Bitch and moan to a supervisor. The squeeky wheel...


_________________
Register Now to have your Insurance queries solved.
jackal
Guest







PostPosted: Mon Jan 26, 2009 12:50 pm   Post subject:   

Quote:
The squeeky wheel...
I have to admit that in many many cases this is correct


_________________

"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr.
Lori
Forum Expert
Leave a quick message

Lori
Forum Expert

Joined: 10 Sep 2007
Posts: 8080

Location: Missouri
287.93 Dollars($)

PostPosted: Fri Dec 04, 2009 3:54 pm   Post subject: Hail damage line of sight rule  

Does the "line of sight rule" apply in the state of Wisconsin? We have had the siding replaced on one side of our home but the color doesn't quite match the other walls. This is not acceptable. I know that in some states, if the colors can't be matched, the line of sight rule applies and the insurance company will redo the total house.


_________________
Register Now to have your Insurance queries solved.
ramon
Guest







PostPosted: Thu Apr 15, 2010 1:14 am   Post subject: damages to home  

hail, wind did alot of damages to the house screens have holes in them the roof has been hit 11 times in a 12 inch square, my siding has holes in bigger than a golf ball. the front of my house and the two garages roof and siding. they don,t make the same siding color that we have now, so what is a person to do if they don,t do the hole house and garages. there should be some law that says they have to replace it.mad


_________________
Register Now to have your Insurance queries solved.
mad
Guest







PostPosted: Thu Apr 15, 2010 1:22 am   Post subject: damages to home  

Hey mad again I live in Michigan we had the big storm last week I wonder if that is the same rule for us. it was a straight line storm 75 mile and hour wind and hail bigger than a golf ball.


_________________
Register Now to have your Insurance queries solved.
mad
Guest







PostPosted: Mon May 03, 2010 12:08 pm   Post subject:   

The line of sight seems to be an interesting thing. So if I stay in my company’s good books and keep the admin section happy, I have the advantage of getting a better deal incase of a claim? Just asking!

randyolson
New member
Leave a quick message



Joined: 29 Apr 2010
Posts: 10


2.39 Dollars($)

PostPosted: Mon May 03, 2010 7:02 pm   Post subject:   

Folks, what 'kind' of HO policy do you have?



_________________

"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr.
Lori
Forum Expert
Leave a quick message

Lori
Forum Expert

Joined: 10 Sep 2007
Posts: 8080

Location: Missouri
287.93 Dollars($)

PostPosted: Sun Nov 13, 2011 7:08 pm   Post subject: No match state for Pa?  

We recently had an insurance adjustor tell us the state of PA is "no match state" when replacing siding? I am finding it hard to find this law? our contractor,who has been in this area for ten+ years said to her ,he has never heard this. where can I find out this "law"? and she also claims hail does not break glass, (our house was hit with golf ball size hail). Is this correct also?


_________________
Register Now to have your Insurance queries solved.
Bobbi
Guest







PostPosted: Tue Dec 20, 2011 1:20 am   Post subject: siding  

What states have a law about full wrap on house, even if only two sides damaged.


_________________
Register Now to have your Insurance queries solved.
Klopfer
Guest







Quick Reply
Your Name
Subject
Message body
All times are GMT
 Previous  1, 2, 3  Next  
Page 2 of 3


Get a Quote
Ask Community Experts

flash plugin

Quick Links

Must See

Community

Hot topics in forums

Latest in blogs

AmPmInsure on Facebook



Page loaded in 0.130 seconds.