Can i file a claim and not get the work done?

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PostPosted: Wed Jul 24, 2013 5:49 am   Post subject: How far back can insurance company trace back the claim  

I live in Texas. 6 years ago I filed a roof claim with my insurance company and cut me a check to replace the roof. We cashed in the check and We did not put in the new roof it because the check amount was not enough to cover the new roof replacement cost. Years went by. Just a few months ago, we had a haul and wind damage to the roof and there might be a leak because there is a water stain on the ceiling. Can I file a claim again? My question is does the insurance company still have the record of my last claim? How far back can they trace?

My other question is if I change my home owner insurance, will the new insurance company have access to the claim record 6 years ago?


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Texas Mini Girl
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PostPosted: Wed Jul 24, 2013 11:21 am   Post subject:   

Quote:
Can I file a claim again?
Yes

Quote:
My question is does the insurance company still have the record of my last claim?
Yes

Quote:
How far back can they trace?
1,000 years

Quote:
My other question is if I change my home owner insurance, will the new insurance company have access to the claim record 6 years ago?
Yes



You can only collect for the difference in the amount of damage between the prior loss and the most recent loss. How much is that? Probably very little.



Your mistake was in not contacting the insurance company 6 years ago when the amount they paid was insufficient to cover the damage. The way insurance works is that the company initially pays you the Actual Cash Value (= replacement cost minus depreciation) to begin the repairs and the balance of the full replacement cost (assuming that's the coverage you have) after the repairs are complete. If you suffer a new loss years later, it's a whole new event.



In your case, you never made repairs, so there is no way to tell how much damage is new . . . except to compare the current damage to the previous damage, which could be impossible.



Changing insurance companies will not make this go away. Insurance companies post claims like yours on a system known as CLUE. All insurance companies have access to that system to be able to exchange information. Filing a claim with a new company for old damage is insurance fraud. The state will then put a new roof over your head for about 5 years. It will also come with a new set of gray bars, too.


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PostPosted: Fri Aug 16, 2013 2:36 am   Post subject: Info  

We had a hail storm ruin our roof, siding and window. Insurance cut us a check (no mortgage). But our house is a mobile home and falling apart... Not really worth putting money into. We want to buy a new home but now finding a problem getting new homeowners insurance. Anyway around that?


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PostPosted: Fri Aug 16, 2013 12:28 pm   Post subject:   

Quote:
Anyway around that?


Don't get insurance? Seriously, what possible answer are you looking for?
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PostPosted: Fri Aug 16, 2013 4:20 pm   Post subject:   

There is always access to limited homeowner's and commercial property coverage through the FAIR plan if you cannot find coverage in the standard market. But it's not subsidized welfare like Obamacare.



If you work with a local independent agent or broker instead of doing it yourself, you should be able to find coverage, but too many recent or large claims can impair your ability to be insured as a standard risk.



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PostPosted: Tue Apr 01, 2014 12:49 am   Post subject: still owe contractor  

If contractor claims I still owe money for siding can he take off new siding


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PostPosted: Thu Apr 10, 2014 4:15 am   Post subject:   

Quote:
If contractor claims I still owe money for siding can he take off new siding
Sure . . . knowing that you will then be able to sue him, if that's what he wants to have happen. Generally, the answer is NO. If there is a dispute as to payment for services rendered needs to be decided by a judge, jury, or arbitrator.



In matters involving construction, however, the contractor needs to first file a "mechanic's lien" against the property. That must usually be done within 2-3 weeks of performing the work, and if not, then the contractor cannot claim a lien. He can still sue for the unpaid balance. A lien must be satisfied before a property can be sold, refinanced, or otherwise disposed of, which is why it is a powerful tool -- a lien will not be released without $$ or bling in exchange for the release.


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PostPosted: Fri Sep 05, 2014 9:52 pm   Post subject:   

I had damage in my basement. I put insurance claim I got paid with a check from the insurance company but I needed the endorsement of my bank which is chase I went to chase and they will not endorse it because I'm in the process of going through a modification with them what can I do.


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PostPosted: Mon Sep 08, 2014 3:27 pm   Post subject:   

You can file a complaint with the Dept of Insurance. The bank has no right to withhold endorsement of the check unless your loan requires you to first complete the repairs (which is not unusual).



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PostPosted: Tue Sep 09, 2014 1:23 am   Post subject: "Roof Representation Agreement" and another questi  

All of my neighbors were getting new roofs and getting them covered by insurance. ("hail damage") There was a roofing company going around advertising their services. I called them, they met with my adjuster, and it turns out, my insurance company will cover my new roof. I have a very high deductible. (4k) The roofing company gave me an estimate of around 7k. I signed a "Roof Representation Agreement" with them, not really knowing that I might be able to find other contractors to get the job don cheaper.

Do I have to use this company now? I have not contacted them since they came out for the estimate. It has almost been 2 months.



My 2nd question is...If I were to sell the house, what would happen if I didn't replace the roof? There are no leaks. The roof is about 20 years old now and is nearing the time for replacement.

The check is made out to me and my mortgage company. It's for about $2300. What happens to that money?

Thanks.


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PostPosted: Tue Sep 09, 2014 10:38 am   Post subject:   

Quote:
Do I have to use this company now? I have not contacted them since they came out for the estimate. It has almost been 2 months.
This "Roof Representation Agreement" is likely to be a contract of sorts. What does it say?

Quote:
If I were to sell the house, what would happen if I didn't replace the roof? There are no leaks. The roof is about 20 years old now and is nearing the time for replacement.
If there is nothing wrong with the roof, why did you file a claim? That is something called INSURANCE FRAUD -- a felony.

Quote:
The check is made out to me and my mortgage company. It's for about $2300. What happens to that money?
Nothing until the check is endorsed by the lender so it may be cashed. If you sign for the lender, that, too is a felony, called FORGERY.



Sounds to me like you were simply riding the INSURANCE FRAUD BANDWAGON along with your neighbors and the roofing company. That's one of the reasons why so many of us pay inflated premiums for our own insurance.


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PostPosted: Tue Sep 09, 2014 9:22 pm   Post subject: reply to above....  

Ok, sorry. I was not clear in my first post. My roof DID have leaks, but they have since been repaired. A guy came out about 9 months ago to replace the flashing near the chimney and my bedroom window. I was getting water damage into the house. So, I was not trying to defraud anyone. As it turned out, when they inspected the roof, they found hail damage. The insurance adjuster was up there and deemed that my roof needed replacing. So it was not me trying to misrepresent anything.

Ok, so now that that issue is cleared up. There is the matter of this contract thing. It says:

"This agreement is contingent on customer' insurance carrier's approval and payment for roof replacement at a rate agreed upon b/w "......roofing co." and your ins. carrier. If your claim is denied or receive less than full replacement value, this document is void.

I give permission to "roofing co." to negotiate the cost and extent of the replacement to my property with my insurance co. "Roofing Co. " agrees to do said replacement at prices determined by my insurance co. Any upgraded material is charged in addition. Any supplements provided by my ins. co are to be paid to "roofing co." in addition to the original contract amount."

That is just paragraph one that I initialed. There is sooooo much more.

Can you help decipher this?

No one has contacted me about it all....for almost 2 months.

Thanks.


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PostPosted: Tue Sep 09, 2014 11:15 pm   Post subject:   

You can send me a copy of the document for my review. Click on the email link and send a clear copy of the entire document.

Do you know if the insurance company paid any money to the roofing contractor? If not, then you are probably within your rights to hire someone else and consider the existing agreement "abandoned." But try to send me a copy of the agreement first.

As far as the check is concerned, you can send that to the lender now for their endorsement. Do not sign it yourself until it has been returned to you.



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PostPosted: Mon Jan 05, 2015 1:09 am   Post subject: hail storm replace roof  

Hi

I have a question...I bought a home in 2010 on a land contract. In April 2014 we had a bad hail storm. Let me notes I never filed a claim in the 3 yrs I lived there. the insurance company issued me a check to have the roof repaired. Note I paid all my premiums. I had some life altering changes in my life and after the person I had the land contract with had me sign over the check to him and we had a mutual agreement to sign over the contract. In Oct 2014 the house repairs was not completed due to heavy damage in the area. The person I had land contract with agreed if there was money left over after repairs were completed he would send it to me.On good faith I trusted him. I found out the repairs was finished and he just let me know he used it to buy appliances and paint inside. Nothing to do with storm and there was nothing left. Is this right and can I do anything to get my money back on a policy I paid?? I have a total of over 2,000 left. When does a landlord have the right to use the money to buy things he is responsible for.I feel so run over!and betrayed also heard when I moved he took out a separate claim and received another check for damages.....Help..

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PostPosted: Mon Jan 05, 2015 1:32 am   Post subject: please help...  

Is this right for someone to do??

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