On Property Insurance Claim Tips Blog

Policyholder Question on Adjuster Causing Damage to Roof

Q. An insurance adjuster came and inspected our house for roof damage following a hail storm. He indicated that only part of the roof needed repair. In the process of getting off the roof, he slipped and caused some damage to the roof and to the gutters which he added to the coverage. I have heard but can't find documentation that in Alabama, if the adjuster creates damage the insurance company is liable for the full roof and not just the damaged portion. I would like to confirm this as fact or fiction?

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Policyholder Question on Property Vandalism & Theft

Q. My vacant property was vandalized (electrical, plumbing, bath & kitchen fixtures were destroyed). The insurance company denied my claim for vandalism as they considered theft was involved. Vandalism is a covered peril, theft is not. The definition of vandalism is not absolute (there are five to seven forms of vandalism, depending on the authority) and, there is no definition of theft given in the policy (nor will any representative provide one). One form of vandalism is that of acquisitive vandalism. Clearly when the value of the property damages exceeds 100 times the value of the petty theft, there would be a case for this form of vandalism. In this case the property damage estimate was $25,000 and the estimated value of the scrap wire and used fixtures was $200. Can a claim be successful based on the assertion that, barring a specific exclusion for acquisitive vandalism, the incident was in fact vandalism?

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Policyholder Question about Earth Movement Foundation Damage Caused by Flood

Q. I’m looking for help/guidance. A flood event heaved thin crawlspace slurry pour, rotated a concrete support pier and then pushed the entire slurry floor down toward center of crawl and pier. A forensic engineer determined damage was pre-existing and not caused by the flood event. His report contained anecdotal evidence, supposition and was riddled with factual errors, including measurements. It also seemed to push irrelevant observations as supporting evidence as well. What can you tell me about this type of loss and my options?Read More
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Policyholder Question on Lightning Damage to Apartment Building Units

Q. I own an apartment complex that got hit by lightning. It seems electronics in multiple units is randomly going out.  Does this make sense?  If I file a claim, it looks like it should have just hit one or 2 buildings instead of 8 or 9. Will I have trouble getting a proper settlement? Unfortunately, I just don't trust the insurance company. I had a fire once and they treated me like a crook. 

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