Insurance Company Denies Payment for My Elderly Parents
My elderly parents, both nearing 80, are facing difficulties with their insurance provider, who is refusing to pay for damages caused by unscrupulous builders. These builders removed the garage roof without permission, and we have already reported the incident to the police, which has led to an active investigation.
Fortunately, a reputable contractor has stepped in to repair the damage, but the costs have been significant – something we believed would be covered by our insurance policy. The policy explicitly covers acts of vandalism, yet the insurance company is now requesting an itemized bill for the repairs. The contractor we hired typically purchases materials in bulk and is unable to provide a detailed breakdown.
Is this standard procedure for insurance companies? Does anyone have suggestions on how we might recover these costs, which amount to around $5,000? It’s disheartening to see elderly victims of crime treated this way.
I’m really sorry to hear about your parents’ situation; it sounds incredibly frustrating. While insurance companies often request itemized bills to verify the costs associated with repairs, it can be tough for individuals, especially elderly ones, to navigate such requirements.
Here are some steps you might consider taking:
Get a Written Estimate: Ask the builder who performed the repairs for a written estimate or a summary of the work completed, even if they can’t provide a detailed itemized bill. Sometimes, an informal breakdown of costs can suffice.
Document Everything: Keep records of all correspondence with the insurance company, including emails and phone calls. Also, document the condition of the property before and after the repairs and any police reports related to the incident.
Contact the Insurance Company Again: Reach out to the insurance company to explain the situation. Highlight that your parents are elderly and explain the challenges they face in securing an itemized bill. Sometimes, a simple, compassionate conversation can yield better results.
Seek Guidance from a Consumer Advocacy Group: If you feel stuck, consider reaching out to organizations that specialize in consumer rights or insurance claims assistance. They may have specific advice or be able to advocate on your parents’ behalf.
Consider Filing a Complaint: If you believe your insurance company is acting unfairly, you can file a complaint with your state’s insurance commissioner. They can often help mediate disputes between consumers and insurance companies.
Consult with a Legal Professional: If the amount in question is significant and you feel the insurance company is not honoring the policy, consulting a lawyer may be a worthwhile step. They can provide you with insight on whether it’s worth pursuing the matter further legally.
Remember, it’s essential to remain persistent and ensure your parents get the support they need. They deserve to be treated with care, especially in such a difficult situation. Good luck!