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a car ran into our house the other day and the insurance adjuster is telling us that we will more than likely have to pay for part of the repairs
A couple minor details missing here. Who hit your house and why aren't they paying for the repairs with there car insurance?
Quote:
Originally Posted by dennis1121
not to worry house is bought and paid for
Bad move. Insurance is just in case something happens. Just because your house hasn't burned to the ground in the last ten years, doesn't mean it never will.
Well, I certainly hope you re-up your insurance after this incident. You are REALLY willing to take the chance with a paid up house not having insurance. If you had insurance, you could simply place a call to the company, file a claim and let THEM deal with Farmers. I can tell you that you are going to end up getting screwed in this process already. By not having insurance, you don't have the weight of an insurance company behind you to navigate the process and to deal with another insurance company. You could hire an attorney on your own, but that would cost more than your homeowner's premiums would have been....good luck, you will need it and yes, they can, and will make you take a depreciated amount because you do not have insurance on the house...
Like others have said...
THEIR insurance is responsible for making the repairs.
and..
Not having insurance on your house, paid for or not, is the worst way to try to pinch pennies.
A couple minor details missing here. Who hit your house and why aren't they paying for the repairs with there car insurance?
Bad move. Insurance is just in case something happens. Just because your house hasn't burned to the ground in the last ten years, doesn't mean it never will.
it is the insurance telling me that ill have to pay due to depreciation
i know bad me calling insurance co jus as soon as damages are fixed
Well, I certainly hope you re-up your insurance after this incident. You are REALLY willing to take the chance with a paid up house not having insurance. If you had insurance, you could simply place a call to the company, file a claim and let THEM deal with Farmers. I can tell you that you are going to end up getting screwed in this process already. By not having insurance, you don't have the weight of an insurance company behind you to navigate the process and to deal with another insurance company. You could hire an attorney on your own, but that would cost more than your homeowner's premiums would have been....good luck, you will need it and yes, they can, and will make you take a depreciated amount because you do not have insurance on the house...
i dont see where not having insurance plays a role its not like my house jumped in front of her car
oh did i mention she also totaled out a parked car of my neighbor befor she hit my house she even got a really shiny pair of bracelets to wear after she couldn't pass a sobriety test
and the insurance agent already told me they were taking 100% liability
The idea of "depreciation" being a factor in this situation seems off to me.
The insurance company's client damaged the house. She is responsible for all repairs needed to restore the house to its original condition. Do not forget any damage to lawn or landscaping.
She is also responsible for any deductibles required by her policy.
wish i knew as he told me about the liability then in the next sentence he started on the adjuster and the depreciation and that i would have to pay a portion thats when he lost me i never heard of such a thing if it would have been my car she hit and it wasn't totaled they would pay 100% to have it fixed
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