Insurance Company giving me a hard time
2001 Trail-lite 5280-s 5th wheel camper. I have owned it since 2002 (purchased from dealer new as last years inventory). Camper is stored out doors since day one in Michigan. Well, we had record sn...
Forum Discussion
State insurance laws vary a lot from state to state but the principle underlying insurance is typically the same. That being said a recognized "principle" for a covered loss is "sudden and accidental". Did one snow event cause the loss or a build up of snow over the winter? If you can't pin down a general day or couple of days, was this "sudden"? Doesn't sound like it.
2. Independent Appraisers are Independent. They do not get to say what is covered and what isn't. They are appraisers hired by the insurance company and they do not get to speak for the insurance company.
3. I noticed a lot of anger/bitterness/resentment toward insurance companines in the comments. If you dislike your insurace company then change insurance companies. Insurance claim reps are held to a percentage of claims closed within 7 or 10 days. Their raises and bonuses are dependent on hitting this goal. For a claim to go this long really means something is preventing the claim from processing normally. A claim rep wants to pay your claim. Quickly. But if something isn't right they can't.
4. Everyone wants to hire a lawyer. In trying to close a Property Damage situation its usually not the smartest move. For Bodily Injury claims or Tort claims lawyers are fine. Look up Public Adjusters. Talk to one. Explain exactly what happened and ask for advice. Call the Insurance company. Ask to speak to the local Claims manager. Be nice and explain that you would like them to review the file and make a decision. Ask what else can I show or provide that would assist you in making a decision? Ask, politely, what has held up the determination of coverage?
Good luck with your claim.
BC
2. Independent Appraisers are Independent. They do not get to say what is covered and what isn't. They are appraisers hired by the insurance company and they do not get to speak for the insurance company.
3. I noticed a lot of anger/bitterness/resentment toward insurance companines in the comments. If you dislike your insurace company then change insurance companies. Insurance claim reps are held to a percentage of claims closed within 7 or 10 days. Their raises and bonuses are dependent on hitting this goal. For a claim to go this long really means something is preventing the claim from processing normally. A claim rep wants to pay your claim. Quickly. But if something isn't right they can't.
4. Everyone wants to hire a lawyer. In trying to close a Property Damage situation its usually not the smartest move. For Bodily Injury claims or Tort claims lawyers are fine. Look up Public Adjusters. Talk to one. Explain exactly what happened and ask for advice. Call the Insurance company. Ask to speak to the local Claims manager. Be nice and explain that you would like them to review the file and make a decision. Ask what else can I show or provide that would assist you in making a decision? Ask, politely, what has held up the determination of coverage?
Good luck with your claim.
BC
