Subject: Homeowners Insurance Estimate Concerns – Missing Items
Hello, I’m currently dealing with a hurricane damage claim through State Farm. As I reviewed my latest final estimate, I realized that it omits approximately $34,000 worth of damage, specifically for hazardous material/asbestos removal, water remediation, and tree removal. These items were included in previous estimates but are conspicuously absent this time.
Two line items have been entirely removed, and the tree removal costs have been deducted from the demolition line item—now listed at $500 when it was previously $9,000 (which included tree removal).
While the estimate has increased with some additional roofing repairs and other items, which collectively amount to about $40,000, the removal of the $34,000 in line items has only resulted in a minimal overall increase. This discrepancy raises concerns about why those costs would be omitted. I’ve already reached out to the adjuster, but I’m curious if anyone has insights or similar experiences to share.
It feels odd that they would remove these items without explanation, especially since they were previously covered and the roof is now complete. Any thoughts? Thank you!
It sounds like you’re navigating a frustrating situation with your homeowners insurance claim, especially after dealing with hurricane damage. Missing items from previous estimates can certainly raise concerns. Here are a few things you might consider as you wait for your adjuster to respond:
Documentation Review: Make sure to review all your previous estimates and any communications you had with the insurance company. Look for any notes or references to the hazardous material removal, water remediation, and tree removal to substantiate your claim for these missing items.
Discuss with Adjuster: When you connect with your adjuster, express your concerns clearly. Ask for clarification on why those specific items were removed from the estimate. It’s important to understand their reasoning; sometimes it could be an oversight or a change in their assessment of the claim.
Ask for Detailed Breakdown: Request a detailed breakdown of the new estimate. This can help you compare line-by-line with previous estimates and make it easier to highlight discrepancies.
Insurance Policy Review: Check your insurance policy to understand the coverage limits and exclusions regarding hazardous material removal, water remediation, and tree removal. This information can be useful in discussions with your adjuster.
Third-Party Guidance: If things don’t resolve in your favor or if the adjuster’s explanation isn’t satisfactory, you may want to consider seeking help from a public adjuster or a legal expert in insurance claims.
Maintain Records: Keep thorough records of all your communications with the insurance company, including dates, times, and the names of representatives you’ve spoken with. This documentation can be invaluable if you need to escalate the issue.
Stay persistent, and I hope you get a satisfactory resolution soon!