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OT: Roof damage from DishTV sat install

That's the crap i'm in now.

I'm going to pay to get it taken care of then I won't be reimbursed.
You need to fix your problem b4 your problem really becomes a big problem or a monster problem. Then sue them if they wont pay.
 
I'm in NC but I was thinking something similar. BBB complaint?
They don't really respond to BBB, that's just a Biz reporting agency that collects dues annually. All states have Insurance Commissioners, and they have direct complaint contacts. They will be your arbitration at no cost so you don't have to hire attorney that will cost you somewhere. Threaten with same response and find what the gov't agent is called in NC so you sound like you have informed details. I have never had better satisfaction than when I have worked with State Commission on insurance issues on a botched home remodel.
 
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Safeco car insurance 3 vehicles liability only
$621.00 a year (only because I’m forced to be insured)

Homeowners canceled 16 years ago
$0.00 per year

Insurance is total BS......
 
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You need to fix your problem b4 your problem really becomes a big problem or a monster problem. Then sue them if they wont pay.
That's another problem in itself.

I really don't know if it's the satellite install damage. Chimney leaking. or roof damage (not connected to the satellite)

The contractors I have remodelling my bedroom are quick to say a chimney leak...

But they are already 4k over budget on the remodel. Could easily trying to get their friends wallets filled.

Been in Charlotte since 2007 and I still haven't found anyone I can trust for home maintenance except fro AC. (And they are out of Rock Hill)

No more NC contractors?
 
Safeco car insurance 3 vehicles liability only
$621.00 a year (only because I’m forced to be insured)

Homeowners canceled 16 years ago
$0.00 per year

Insurance is total BS......
I've got a 94 Toyota truck and a 95 Escort-don't have collision on those old vehicles of course-plus homeowners and State Farm charges me $2200 PY. Seems too much. Haven't made a claim other than one towing in years. Had a hail storm over a decade ago and made a claim for roof damage. No accidents. No tickets.
Why did you cancel Homeowners? What if house burns down?
 
That's another problem in itself.

I really don't know if it's the satellite install damage. Chimney leaking. or roof damage (not connected to the satellite)

The contractors I have remodelling my bedroom are quick to say a chimney leak...

But they are already 4k over budget on the remodel. Could easily trying to get their friends wallets filled.

Been in Charlotte since 2007 and I still haven't found anyone I can trust for home maintenance except fro AC. (And they are out of Rock Hill)

No more NC contractors?




Move across the state line - York County. If I worked in Charlotte (downtown or South Side) there's no way I'd live in NC. Fort Mill, Tega Cay, Rock Hill, Clover, Lancaster County 'Panhandle' etc. would be my choices.
 
Move across the state line - York County. If I worked in Charlotte (downtown or South Side) there's no way I'd live in NC. Fort Mill, Tega Cay, Rock Hill, Clover, Lancaster County 'Panhandle' etc. would be my choices.
I hate the drive. I've been taking the train in and it's saved me a shit ton of money.
 
Homesite - Progressive
If you ever insure with Progressive - you are taking chances. Jazzy commercials, but worst company to settle claims QUICKLY OR PROPERLY. You’ll likely need to lawyer up for this one. Eventually, they will settle, but it will be a long process.
 
Safeco car insurance 3 vehicles liability only
$621.00 a year (only because I’m forced to be insured)

Homeowners canceled 16 years ago
$0.00 per year

Insurance is total BS......
Until you need it or are wealthy enough to self insure. I hope you never need it, but most people have insurance to cover unexpected and sometimes catastrophic events so they aren’t bankrupt by the outcome. Some insurances and insurers are ripoffs, but there are some good ones. It is a business though so one should expect a profit margin built into the fees.
 
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I've got a 94 Toyota truck and a 95 Escort-don't have collision on those old vehicles of course-plus homeowners and State Farm charges me $2200 PY. Seems too much. Haven't made a claim other than one towing in years. Had a hail storm over a decade ago and made a claim for roof damage. No accidents. No tickets.
Why did you cancel Homeowners? What if house burns down?
I've got a 94 Toyota truck and a 95 Escort-don't have collision on those old vehicles of course-plus homeowners and State Farm charges me $2200 PY. Seems too much. Haven't made a claim other than one towing in years. Had a hail storm over a decade ago and made a claim for roof damage. No accidents. No tickets.
Why did you cancel Homeowners? What if house burns down?
Thanks
 
It would be a bad day but my odds of getting struck by lightening are better so I’d be dead anyway. lol
 
Ok...

I’ve been a homeowners insurance adjuster for over 20 years. I’m not a crook. I can’t speak for other companies, but our claims department takes the tack that we look for coverage on a claim, not for ways to deny a claim. (really).

There are many factors that we don’t know about the op’s original complaint. The biggest factor we don’t know, is what type of policy does he have? How is it endorsed? Some policies cover only fire and wind. This type of policy could be placed depending on the age and condition of the insured home, or the claim history or financial condition of the insured person. Most policy’s are “all peril” but with specific exclusions. They offer much better coverage.
In this case, the op says the insurance company is saying the Sat dish is installed incorrectly, and that is what allowed the leaking rain to cause the water damage. That would be a tough call to make, but not impossible. If the install used screws that were too long, improper seals, or placed the dish in a spot that would cause water to puddle on the roof, then the installer would be liable for the damage to the home. If the installer was properly bonded, then the bonding company would likely pay for repairs. But was the dish installed improperly? After four years, the installer is probably going to argue that it leaked due to improper maintenance. They will say it should have been resealed every year. That’s debatable. I think a properly installed dish (or anything else) ought not ever leak, for the remaining life of the roof.
If the policy had hidden water coverage (and many, many policies do now) then this should be a covered claim. The insurance company can then pursue reimbursement from the installer, and if successful, reimburse the deductible. Again, very hard to say without knowing the type of policy.

A few other things.

Lawyers don’t scare insurance companies. Insurance companies have them too. If your policy doesn’t cover a loss, the attorney won’t be able to change that. Lawyers are looking for class action suits and bad faith actions. Those happen, but not often. In this case, an attorney may look at the installer for a class action. If he wins a class action, he’ll get a big payday, and you’ll get a coupon for 20% off your next satellite dish.

He’s likely got no case against the insurer for denying a long term leak due to lack of maintenance.

The DOI. (Department of Insurance). They are not a panacea for your insurance problems. I respond to DOI complaints all the time. A response basically is the same communication and denial letter we provide the insured. The DOI will then take our reply and give it to the complaining party, and the matter is then concluded. I’ve never seen the DOI take any further action after we reply to a complaint. It doesn’t cost anything to file a DOI complaint, and it’s simple to do online, but it doesn’t mean the state is coming in and making the insurance company change its mind.

Insurance policies can be very hard to understand. (thanks to the lawyers). I would recommend you sit/call your agent and have a detailed conversation about what is or is not covered under a policy. (Most have 1000 limit on guns, jewelry, maybe cameras and some other things). Where you are lacking coverage, there may be endorsements available that will provide the coverage you want.

Finally, there are home service plans available. These plans work like warranties, and can cover damages from wear and tear. Be very careful with them. They are often pricey, and I’ve always felt that it made more sense to bank the premium that would be paid to them. That way, you’d have your own money, and could repair or replace things that wear out around the house in the manner you want, and not in the way your warranty company wants.
 
Safeco car insurance 3 vehicles liability only
$621.00 a year (only because I’m forced to be insured)

Homeowners canceled 16 years ago
$0.00 per year

Insurance is total BS......

I agree that insurance companies are pretty much evil, but isn't it a necessary evil to insure your home? What will you do if there's a fire & it burns to the ground?
 
Bottom line is percentages. The chance of your home burning to the ground is very small. I’m willing to risk it and save my $1700 a year. I built my first home at 21 sold it 5 years later bought my next home paid it off before I turned 30. Been living debt free since. Going to retire at 55 only because I don’t follow the so called rules. Lol
 
Bottom line is percentages. The chance of your home burning to the ground is very small. I’m willing to risk it and save my $1700 a year. I built my first home at 21 sold it 5 years later bought my next home paid it off before I turned 30. Been living debt free since. Going to retire at 55 only because I don’t follow the so called rules. Lol
Way to go. I was still teething at 21.:)
We paid our house off early, too. We were $65,000 in debt(this was in 80s when that was a lot of money)including house and it was driving me crazy so we went on a 5 yr plan and paid it all off. I retired at 55.
 
Congratulations!! That’s the way I felt if I went to bed owing anything. It just totally drove me crazy and I’m thankful for that. I know your enjoying your retirement. It’s nice to still be young enough to enjoy it.
 
Ok...

I’ve been a homeowners insurance adjuster for over 20 years. I’m not a crook. I can’t speak for other companies, but our claims department takes the tack that we look for coverage on a claim, not for ways to deny a claim. (really).

There are many factors that we don’t know about the op’s original complaint. The biggest factor we don’t know, is what type of policy does he have? How is it endorsed? Some policies cover only fire and wind. This type of policy could be placed depending on the age and condition of the insured home, or the claim history or financial condition of the insured person. Most policy’s are “all peril” but with specific exclusions. They offer much better coverage.
In this case, the op says the insurance company is saying the Sat dish is installed incorrectly, and that is what allowed the leaking rain to cause the water damage. That would be a tough call to make, but not impossible. If the install used screws that were too long, improper seals, or placed the dish in a spot that would cause water to puddle on the roof, then the installer would be liable for the damage to the home. If the installer was properly bonded, then the bonding company would likely pay for repairs. But was the dish installed improperly? After four years, the installer is probably going to argue that it leaked due to improper maintenance. They will say it should have been resealed every year. That’s debatable. I think a properly installed dish (or anything else) ought not ever leak, for the remaining life of the roof.
If the policy had hidden water coverage (and many, many policies do now) then this should be a covered claim. The insurance company can then pursue reimbursement from the installer, and if successful, reimburse the deductible. Again, very hard to say without knowing the type of policy.

A few other things.

Lawyers don’t scare insurance companies. Insurance companies have them too. If your policy doesn’t cover a loss, the attorney won’t be able to change that. Lawyers are looking for class action suits and bad faith actions. Those happen, but not often. In this case, an attorney may look at the installer for a class action. If he wins a class action, he’ll get a big payday, and you’ll get a coupon for 20% off your next satellite dish.

He’s likely got no case against the insurer for denying a long term leak due to lack of maintenance.

The DOI. (Department of Insurance). They are not a panacea for your insurance problems. I respond to DOI complaints all the time. A response basically is the same communication and denial letter we provide the insured. The DOI will then take our reply and give it to the complaining party, and the matter is then concluded. I’ve never seen the DOI take any further action after we reply to a complaint. It doesn’t cost anything to file a DOI complaint, and it’s simple to do online, but it doesn’t mean the state is coming in and making the insurance company change its mind.

Insurance policies can be very hard to understand. (thanks to the lawyers). I would recommend you sit/call your agent and have a detailed conversation about what is or is not covered under a policy. (Most have 1000 limit on guns, jewelry, maybe cameras and some other things). Where you are lacking coverage, there may be endorsements available that will provide the coverage you want.

Finally, there are home service plans available. These plans work like warranties, and can cover damages from wear and tear. Be very careful with them. They are often pricey, and I’ve always felt that it made more sense to bank the premium that would be paid to them. That way, you’d have your own money, and could repair or replace things that wear out around the house in the manner you want, and not in the way your warranty company wants.
OK, I’m not going to debate your points and I really believe most agents and adjusters are good, decent and fair people. But my beef is more with the companies and the underwriters of their policies. They ARE attorneys and legal reps that write clauses into the policies that make the coverages dicey and many are misleading to the consumer unless they have a legal degree or a lawyer purchase their plan for them.
One example...I woke up in the middle of the night one night, went to the fridge to get some water and heard a faint hissing noise. Didn’t think much about it as I was still half asleep, but thought about the next morning and decided to investigate. The “hissing” noise was a tiny pinhole in my tubing to my ice maker in the fridge. So I started to pull the fridge out to get to the shutoff valve which is on the floor right behind it, and had a hard time getting it to move. That’s because the floor was saturated and had began to sag. And it was immediately obvious that this had been leaking for some time. Well when we purchased our policy 20 years or so prior I made sure we included coverage for water leaks. And I told my wife this was going to be an inconvenience for a while but at least it should be covered under our policy.
WRONG. The company didn’t even send an adjuster. My wife called them first and they explained to her that this was considered “seepage” and that our plan did not include this type leak. So I called them back and talked to them and they told me the same thing, and gave me the info of where to find it in our policy. I looked it up and sure enough, there’s a little clause that defines the difference in a leak and “seepage”. So I ask ed them what exactly I was paying for, because when I purchased the policy and asked for water damage coverage I wanted ALL water damage coverage. And they told me that they didn’t offer a policy that would cover that type of leak or failure.

SO what is a person supposed to do...pull your fridge out once a week and check the water line to your appliance?
Needless to say we went through that policy with an agent and made several changes to drop a lot of BS coverage that didn’t really cover much of anything.
And I removed a cabinet that beside the fridge, jacked up the ceiling and braced the wall on the other side, cut the floor out and replaced it myself...cussing the entire time!

Went round and round with them about a roof leak also back in 2010. House was only 12 years old at the time and had a leak under the eave at my kitchen window. Adjuster said it was failed deals on the shingles but since there wasn’t any obvious damage from tree limbs or other objects and NO PROOF that they failed due to wind, the policy didn’t cover it. I asked him for over an hour on the phone how he could prove it wasn’t wind damage and he could never give me an answer and kept changing the subject, even suggesting I upgrade my coverage, etc.
1 month later we have a hellacious hail storm. A different adjuster came out, walked the roof about 3 minutes and said, you got a lot of hail damage. Got a check in the mail minus 12 years depreciation the next week, and it coved about 95% of the cost to replace the shingles.
Not sure if that was karma or divine intervention, but I was relieved and said many prayers!

STill every time I’ve had to call them it’s been a pain in the ass. And they usually don’t do anything to help me out. Can’t wait until it’s paid off. Probably have fire coverage and nothing more!
 
OK, I’m not going to debate your points and I really believe most agents and adjusters are good, decent and fair people. But my beef is more with the companies and the underwriters of their policies. They ARE attorneys and legal reps that write clauses into the policies that make the coverages dicey and many are misleading to the consumer unless they have a legal degree or a lawyer purchase their plan for them.
One example...I woke up in the middle of the night one night, went to the fridge to get some water and heard a faint hissing noise. Didn’t think much about it as I was still half asleep, but thought about the next morning and decided to investigate. The “hissing” noise was a tiny pinhole in my tubing to my ice maker in the fridge. So I started to pull the fridge out to get to the shutoff valve which is on the floor right behind it, and had a hard time getting it to move. That’s because the floor was saturated and had began to sag. And it was immediately obvious that this had been leaking for some time. Well when we purchased our policy 20 years or so prior I made sure we included coverage for water leaks. And I told my wife this was going to be an inconvenience for a while but at least it should be covered under our policy.
WRONG. The company didn’t even send an adjuster. My wife called them first and they explained to her that this was considered “seepage” and that our plan did not include this type leak. So I called them back and talked to them and they told me the same thing, and gave me the info of where to find it in our policy. I looked it up and sure enough, there’s a little clause that defines the difference in a leak and “seepage”. So I ask ed them what exactly I was paying for, because when I purchased the policy and asked for water damage coverage I wanted ALL water damage coverage. And they told me that they didn’t offer a policy that would cover that type of leak or failure.

SO what is a person supposed to do...pull your fridge out once a week and check the water line to your appliance?
Needless to say we went through that policy with an agent and made several changes to drop a lot of BS coverage that didn’t really cover much of anything.
And I removed a cabinet that beside the fridge, jacked up the ceiling and braced the wall on the other side, cut the floor out and replaced it myself...cussing the entire time!

Went round and round with them about a roof leak also back in 2010. House was only 12 years old at the time and had a leak under the eave at my kitchen window. Adjuster said it was failed deals on the shingles but since there wasn’t any obvious damage from tree limbs or other objects and NO PROOF that they failed due to wind, the policy didn’t cover it. I asked him for over an hour on the phone how he could prove it wasn’t wind damage and he could never give me an answer and kept changing the subject, even suggesting I upgrade my coverage, etc.
1 month later we have a hellacious hail storm. A different adjuster came out, walked the roof about 3 minutes and said, you got a lot of hail damage. Got a check in the mail minus 12 years depreciation the next week, and it coved about 95% of the cost to replace the shingles.
Not sure if that was karma or divine intervention, but I was relieved and said many prayers!

STill every time I’ve had to call them it’s been a pain in the ass. And they usually don’t do anything to help me out. Can’t wait until it’s paid off. Probably have fire coverage and nothing more!


Not sure who you are insured with, or what type policy you have. “Hissing” supply line would be a direct, sudden and accidental loss, not seeping. If you had an all perils policy, it should have at least been inspected. Failure to do so before denying your claim could be considered “Bad Faith”, and open up a possibility of punitive damages. Unless you had a named peril policy that didn’t name water, my company would have covered the “hissing” pipe. Almost all policies cover wind and hail, unless you are right on the coast.
 
Not sure who you are insured with, or what type policy you have. “Hissing” supply line would be a direct, sudden and accidental loss, not seeping. If you had an all perils policy, it should have at least been inspected. Failure to do so before denying your claim could be considered “Bad Faith”, and open up a possibility of punitive damages. Unless you had a named peril policy that didn’t name water, my company would have covered the “hissing” pipe. Almost all policies cover wind and hail, unless you are right on the coast.
Of course I’m not going to get in depth of who my coverage is with on an open forum, and no I don’t have an “all perils” policy. BTW how much do those run on an average home, say $175-250?
But what makes you think a “hissing” supply line is not seeping? Either you have a different definition than my insurer or their not being honest with me.
Thus the responses by some people ITT...including myself.
 
Of course I’m not going to get in depth of who my coverage is with on an open forum, and no I don’t have an “all perils” policy. BTW how much do those run on an average home, say $175-250?
But what makes you think a “hissing” supply line is not seeping? Either you have a different definition than my insurer or their not being honest with me.
Thus the responses by some people ITT...including myself.

There is a general exclusion in most “all perils” policies that exclude coverage from damage due to “long term leaking from plumbing heating or AC source”. I would consider that a drip or leaking (seeping) seal. “Hissing” to me, suggests a pipe burst, which would be “sudden and accidental”. If your policy covers water, then it should have at least been investigated to determine if it was long term or not, and not just denied over the phone.
 
There is a general exclusion in most “all perils” policies that exclude coverage from damage due to “long term leaking from plumbing heating or AC source”. I would consider that a drip or leaking (seeping) seal. “Hissing” to me, suggests a pipe burst, which would be “sudden and accidental”. If your policy covers water, then it should have at least been investigated to determine if it was long term or not, and not just denied over the phone.
Well that makes me feel a lot better...not.

But it’s ok now since I cut my insurance premium nearly in half. Why pay for something they lead you to believe they will cover but won’t?
I’m not anymore.
 
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