SIGforum.com Main Page The Lounge Renewing or Not Renewing Homeowners Insurance with an Active Claim
Main Page The Lounge Renewing or Not Renewing Homeowners Insurance with an Active ClaimPage 1 2
Go | New | Find | Notify | Tools | Reply | |
| Member |
Invoke appraisal. There are good PAs out there, but most are the industry equivalent to ambulance chasers and state laws can really impact their capabilities. I’d venture to guess that most claims that have a PA working on them get thrown to the bottom of the stack for the adjuster. | |||
|
| Member |
Understood. I worked for a large carrier in another capacity. Not claims. Also handled a storm damage claim for my elderly parents after Hurricane Ian. I was expecting a nightmare on that one but the independent adjuster was fair. The PITA was actually getting someone competent to do the work. Just spit balling but I would be looking for something in the $20k range from them based on the facts you provided. Estimates of $30k and about 2/3 of the useful life left. | |||
|
Member |
I fired State Farm for this very reason in around 2009. Had a hail storm move through our area. Every neighbor in our cul-de-sac was having their roof replaced. State Farm said no. Asked them to come again. They said no again. Went to my agent and he said not to appeal because then my rates would go up. I asked him to come look at my roof. At my neighbors roofs. He declined to leave his office. I Appealed. They said no again. Called my agent the following week and moved all my policies. When he asked why I told him I've paid a premium for State Farm for over 15 years and no claims until this roof. Called him out specifically for his lack of support. He said "I can't blame you". Me: *Click.* Hedley Lamarr: Wait, wait, wait. I'm unarmed. Bart: Alright, we'll settle this like men, with our fists. Hedley Lamarr: Sorry, I just remembered . . . I am armed. | |||
|
Drill Here, Drill Now |
Thx. Very helpful especially the last paragraph. Ego is the anesthesia that deadens the pain of stupidity DISCLAIMER: These are the author's own personal views and do not represent the views of the author's employer. | |||
|
| Drill Here, Drill Now |
Interesting development: My illustrious insurer's steep roof specialty inspector contacted me today to schedule coming back out to do another inspection of my roof. Perhaps, they realize I'm a stubborn son of a bitch and hiring a public adjuster is a sign that I'm not going away quietly. Ego is the anesthesia that deadens the pain of stupidity DISCLAIMER: These are the author's own personal views and do not represent the views of the author's employer. | |||
|
| More persistent than capable |
State Farm may be hoping you go to another insurance company as they no longer write a replacement value policy and dont want the liability of a large payout. Lick the lollipop of mediocrity once and you suck forever. | |||
|
| Member |
If they continue to be slow and difficult, do not hesitate to contact Texas Department of Insurance. I was having difficulty with getting prompt responses dealing with an accident. This was the recommendation of an insurance agent family friend. In Texas, this is the last thing any insurance company wants to deal with. She stated, "insurance are expected to make you whole for your loses in a reasonable amount of time. Not returning phone calls or slow responses are not acceptable." It was amazing a voicemail detailing previously unreturned phone calls and an expectation of a returned phone call by the end of business day; otherwise, a complaint to TDI would be made the following day. I received a phone call within the hour from a manager and the previous agent was replaced. | |||
|
Peripheral Visionary |
I'm in the middle of a claim as well, and am not too far north of you. Will let you know how it plays out.   | |||
|
| Thank you Very little  |
As much as I can't stand these guys, they get results, HQ here in O-Town, John Morgan has made a massive amount of money in the civil tort business. They are so big insurance carriers cant bully them over costs to litigate. They own roofclaim.com, partnered with roofing companies, sponsored an NCAA bowl. You may not like him personally but, he gets results and they do cases on a pct. If they win your insurer will pay their fees, like my friend the fees combined were double the cost of the roof in 5 figures. https://www.forthepeople.com/o...tions/texas/houston/ remember, it's for the people  | |||
|
| Peripheral Visionary |
Update on ours. Insurance adjustor walked our roof with our roofer and actually agreed that hail damage is present and stated they will be approving our claim. Surprisingly he thought it was from an earlier storm than last may (one of the ones we tried to file a claim for previously and had been denied  ).They said 7-10 days for paperwork, will post again once that comes through. | |||
|
| Drill Here, Drill Now |
OLD THREAD REVIVAL WARNING Sigforum provided a lot of good advice and encouragement, and I recently realized that I had never closed the loop on this. My last post was about hiring the public adjuster and steep roof specialty subcontractor sending out a new inspector. Here is how both went: July 2025, I hired an attorney which resulted in more paperwork, more inspections of my roof, and yet another rejection. Ultimately, a neutral 3rd party appraisal (aka "referee") was agreed to by both parties and this time 3 different companies went on my roof. In January 2026, an appraisal award was given in my favor. I had to pay my deductible, but State Farm paid for my roof's 7.9 years of depreciation, my public adjuster, my attorney, 3rd party "referee", their myriad of inspectors, their attorney, and the roof. The catch was it was a 2 part award: Late February 2026, my contractor had the old roof torn off and new roof installed in one long day. Workers were on my roof prior to sunrise and last worker was magnetically sweeping the yard for nails after sunset. They did a fantastic job, and a few weeks later the gutter/downspouts sub came out to fix the damaged sections in the appraisal award. Earlier in the thread I had been critical of my agent for not being able to do anything for me which in hindsight is State Farm's fault not his. I have to hand it to him that he was Johnny on the spot in that as soon as the first certificate of completion was received in early March he sent a formal notification that my premium went down $600 for having a new class 3 impact rated roofing system and it was effective immediately. I'm sure there are reason for it (e.g. if I was behind on mortgage payments) besides being a continued pain in my ass, but State Farm wrote both checks to me, my attorney, and my mortgage lender. All 3 had to sign to cash it and the mortgage lender's signature added 3 weeks both times. By early June 2026, everybody had been paid in full and I had certificates of completion for everything. All in all, if State Farm had acted honorably when I filed the claim I would have paid $10,000 more for a new roof (i.e. 7.9 years of depreciation). $10k seems like a fair reward for the time, hassle, inconvenience, stress, frustration, anger, etc. over a 16 month period. I know how much State Farm paid for my attorney, my public adjuster, the 3rd party "referee" but I don't know how much they paid for their myriad of inspectors/appraisers and attorneys. Suffice it to say deny, defer, and defend didn't pay off when they have a customer who isn't too nice to hire an attorney. To quote my attorney on the day the first of two big checks arrived, "it's actually a pretty good policy once you have an attorney. I personally have State Farm." To quote Paul Harvey's signature phrase "And now you know the rest of the story" Ego is the anesthesia that deadens the pain of stupidity DISCLAIMER: These are the author's own personal views and do not represent the views of the author's employer. | |||
|
| Three Generations of Service  |
THIS^^^ My blanket (home and auto) insurer pissed me off and I went with another company. No problem getting insurance on the car and truck, but nobody would touch me on the home because I've had two claims in 5 years! Nothing active, never missed a payment, but now all of a sudden I'm a bad risk because I used insurance for it's intended purpose. I'll just leave it at that, but there's material for a pretty epic rant. Be careful when following the masses. Sometimes the M is silent. | |||
|
| Powered by Social Strata | Page 1 2 |
 | Please Wait. Your request is being processed... |
|
SIGforum.com Main Page The Lounge Renewing or Not Renewing Homeowners Insurance with an Active Claim
Main Page The Lounge Renewing or Not Renewing Homeowners Insurance with an Active Claim© SIGforum 2026