by pslove » Sun Jul 26, 2009 12:12 am
We had 2 separate incidents of water damage at our home, 1 at the beginning and one at the end of 11/2008. We did not receive checks from the insurance company until the end of 1/2009. We understood the 180 deadline to file for recoverable depreciation started from the time we received payment from our carrier and not from the time of the incidents--now it seems that's not the case. Given that we may have missed the filing window, do we have any chance of recovering the depreciation amounts? If it makes any difference, it also seems that when the checks were issued for the ACV amounts, they had some of the measurements of our house listed incorrectly. They also only included listings for 10% materials and 10% contractor profit on 1 claim instead of the other, as well as factor in that on 1 of the 2 claims, we had already met our $1000 deductible obligation. This resulted in reducing the amount of the funds that we should have received up front. Given those mistakes, would that help our case in trying to file for recoverable depreciation after the 180 day deadline? Thanks for your time.
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