jlf1961
Posts: 14840
Joined: 6/10/2008
From: Somewhere Texas
Status: offline
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I am well past the halfway point on my mortgage, and luckily owe less than the house and property is worth, however..
Recently we had a severe thunderstorm come through the area. A number of businesses had plate glass shattered by the wind, some car dealerships had some hail damage, the burger king that my niece manages had the front door ripped out of a customers hand and tore off the hinges and the door return unit was also destroyed, along with four plate glass windows, one sign, and a few parking lot lights were destroyed.
Now granted, I am buying a modular home with a composite roof and of course, underpinning to enclose the crawl space. The wind took half the shingles, ripped almost all of the underpinning from the front of the house, and the hail put a large hole in the skylight in the kitchen.
Contractor showed up nice and early this morning, got right to work, in the process taking the gate to the backyard off the hinges without telling me, immediately removed the damaged skylight, and proceeded to have one crew work on the underpinning and another working on the roof.
This all started at 8 am this morning... it would have been nice if someone would have told me they were coming.
About two this afternoon, I asked about the large hole in my roof where there was supposed to be a replacement skylight. I was informed that all concerns with the progress of the work would have to go through the insurance adjuster. I also complained about them taking the gate down and not informing me, I found out when I let the dogs out this morning and suddenly saw the gate was not up, and three dogs haul ass out of the yard.
So, I called the insurance adjuster, told him about my concerns, including the fact that I also had hvac people out here that will return tomorrow with a new outdoor unit.
He assured me the skylight would be replaced today... it is now 7:10pm cdt, and there is still a large hole in my kitchen roof, and the plastic that was put up to catch the debris falling into the kitchen was put up by me. I put the gate back up and have been letting my dogs out to do their business, when there is no one in the back yard, and still the job foreman complains. I asked him if he was going to pay to clean the carpets if I keep the dogs inside. He did not answer.
Now has anyone had this kind of experience dealing with insurance claims through a mortgage company's preferred home owner's insurance. I have already called the mortgage company and using polite terms to explain my thoughts of the claims adjuster and crew forman's genetic ancestry, what they could do with their attitudes, I got the standard "my concerns have been noted" and they "will look into the problem."
Considering I have never missed a payment, never been late on a payment, actually I am four payments ahead, I feel that the service I am receiving sucks.
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Boy, it sure would be nice if we had some grenades, don't you think?
You cannot control who comes into your life, but you can control which airlock you throw them out of.
Paranoid Paramilitary Gun Loving Conspiracy Theorist AND EQUAL OPPORTUNI
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WTF do you mean I have to contact insurance agent??? - 
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