Concerns About Missing Items in Homeowners Insurance Estimate
Hi everyone, I’m dealing with a hurricane damage claim with State Farm and I’ve come across some discrepancies in my latest final estimate. It appears that approximately $34,000 worth of damage related to hazardous material/asbestos removal, water remediation, and tree removal is missing from the current estimate. These items were included in earlier estimates but are now absent. Specifically, two line items have been completely removed, and I’ve noticed that the tree removal cost has been deducted from the demolition line item, which now shows only $500 instead of the previous $9,000 (which included tree removal).
While the overall estimate has increased by about $40,000 due to additional roofing repairs and other items, the removal of those $34,000 worth of line items has only slightly increased the total. This situation raises concerns for me about why those items would be omitted. I’ve reached out to the adjuster for clarification, but I wanted to see if anyone else has experienced something similar or has thoughts on this issue.
It feels puzzling to me—I’m unsure if they removed those items hoping we wouldn’t notice or if there’s another explanation. Since those costs have already been paid and the roofing work is completed, the situation doesn’t add up. Any insights would be greatly appreciated!
It sounds really frustrating to deal with discrepancies in your homeowners insurance estimate, especially after experiencing hurricane damage. It’s concerning that significant items like hazardous material removal and tree removal are missing from your latest estimate, especially since they were included in previous assessments. It’s good that you’ve already reached out to the adjuster — that’s definitely the right step.
It might also be helpful to carefully review any correspondence or documentation related to your claim to see if there were any updates or changes communicated that could explain the omissions. Sometimes, estimates can change based on updated assessments or company policies, but that shouldn’t lead to the removal of previously accounted items without a valid reason.
If you don’t receive satisfactory answers from your adjuster, consider escalating the issue within State Farm or seeking advice from a public adjuster or an attorney who specializes in insurance claims. It’s essential to ensure that all necessary repairs and removals are accurately documented and covered, especially after a significant event like a hurricane. Good luck, and I hope you get everything sorted out soon!