Internet Insurance no serve?
I am a resident in Suffolk Va. and a tornado hit my home. I own used an online insurance company (rhymes with bomesite.com) and immediately they are not helping me at all. My grill is they want to just patch the roof and siding and phone it a day. The problem is that the siding is no longer manufactured and the shingles cannot be matched. My homeowners clause say that all my shingles and siding own to be the same type and color. I have replacement value cost and they are aphorism that the color doesnt matter as long as it's replaced. Can they do this and get me pay to do adjectives the work or are they obligated to fix all since it cannot be "replaced?
Thanks
Ken
I don't touch claims in VA,but most homeowners policies state they will earnings for "direct physical damages." So the problem you have is that the elder areas that don't match be not physically damaged, consequently the company doesn't have to pay cheque for them.
In order to try to clash the siding try http://www.sidingmatch.com
You stated "My homeowners clause says that adjectives my shingles and siding have to be like type and color." Are you referring to some kind of condo or homeowners/condo association bylaw? If to be exact the case, I doubt your policy will cover replacing the undamaged areas base on a contract or rule like that.
You might want to check near the VA Insurance Commissioners office to see what the law are pertaining to "matching."
Good Luck
VA insurance commissioners office is the place to be in motion for help.
Good answer from the other party that suggested it!! But I wanted to build sure you know this was the best answer.
Ken,
To answer you directly--yes, they can do this. They can proposal anything they want to to keep the claim cost down.
Now, read your policy. See if within is anything in nearby that you can find that will force them to completely replace the roof and/or siding. Remember, you policy is your contract with the insurance company and they (and you) must abide by the wording of that contract.
Your homeowners clause (and I'm assuming you tight-fisted your homeowner association's contract) has nought to do with your insurance contract. It cannot be used to force the insurance company to do anything beyond what they are obligated to do.
Ken, I'm proverb this next entry for the benefit of all who read our answers, not chiding you.
This is a TRUE life lesson on why you should ALWAYS enjoy an agent. Buying insurance online can save you money but can also motive major headache at claim time. I'm sure you now longing you had an agent working on your side to obtain what you need and want from this incident. An agent would enjoy been competent to find a policy that better matched your homeowner association's rules and regulations. Once this is behind you, consider an independent agent surrounded by your area.
I'm sorry for your loss and preference all of you within those areas hit by tornadoes the best. Our prayers are with you.
Right. Most homeowners policies do NOT replace undamaged portions of late to match.
If your policy REALLY SAYS it adjectives has to contest, then you necessitate to file a complaint beside your state insurance department. But I've only ever see that clause in big end policies resembling CHUBB's. It's NOT in the standard policy - you'll enjoy to quote it, and send within a copy of the policy with your appeal. At best, you'll catch the siding to match on like side of the house, only.
"Replacement value" have NOTHING to do with it. So if you're lifeless your hat on the "replacement value" as goal, matching, it doesn't.
Do it yourself insurance, over the internet, can leave your job you with wrong impressions - because YOU are acting as your own agent.
Answers: I'm so sorry this happen to you!
Insurance's purpose is to put you back to "how you & your house be before the loss"
Talk to the adjustor again (the being who estimated your loss) and if you get nowhere - name whatever foremost claims phone# you were given & ask for admin! Don't stop calling until you get exploit...
If you had an AGENT - they'd be making these phone call for you & doing it all for you
I do craving you had salaried the extra $ to get a "actual agent". This is what the world is coming to - cheap SUBstandard insurance
Ken,
The answers you've received are correct. Your policy repairs lone the damaged parts. I hold seen instances where on earth they company is willing to take-home pay to have adjectives the siding painted so it will match.
Replacement cost simply mode they will pay doesn`t matter what it costs to replace your damaged portions. The dog-eared parts are able to be replaced, they a short time ago don't match.
Your homeowners associations rules own no bearing on the insurance pay.
I know how frustrating this can be, trust me! Been there! But, you own to see it from their stand point also. If they replaced all the siding on your home and the entire roof for you, after they would have to do that for everyone. What would occur to rates if each party got a brand investigational roof simply because 1/10 of it was undermined? Insurance rates would be even more outrageous.
I suggest you call your insurance company directly and ask them to work out a operation with you surrounded by regards to drawing the siding. They should have access to resources to abet match siding and shingles.
Good luck!