Insurance Companies Ripping Off Homeo...

Insurance Companies Ripping Off Homeowners

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Mad Homeowner

Lake Saint Louis, MO

#1 May 31, 2011
We recieved very large hail at our house and the hail blew holes thru the siding on the front and back of my house. My siding is 14 years old and was made by Owens Corning which doesnt even make that style ,grain or color.The insurance company says we will only pay for them two sides ,we dont have to match your siding.Now Im going to have a two-toned house.My realty agent said it will devalue my home by thousands.This just isnt right.I paid my insurance for 14 years and never had a claim. If any one else is having this problem please comment.My parents lived in Florissant and their Mayor told the insurance companies bullshit ,I am not going to have hundreds if not thousands of two toned and patched houses.He made it a building code to make the insurance companies match the siding.Can we do that here ? Maybe a few calls to the Mayor and the alderman and we should see if we can do the same.I love my home and dont want it two toned.Can they really do this to us ?
Off Bryan Road

Lake Saint Louis, MO

#2 May 31, 2011
Im glad to know I'm not the only one with the same problem .My insurance is with Shelter and they told me the same thing.I think it stinks.It has been a battle with them for over a month.First they came out and denied my roof saying it wasnt damaged.I requested a re-inspection then they agreed it certainly was damaged and agreed to replace it.What if I listened to the first adjustor from Texas.Oh he's gone now they tell me to Mississippi.This was after I left two weeks of messages on his answering machine .My siding is light blue Vytec (no longer in business)He approved 1 full wall and half of another wall.I took my siding in to Arrowhead Supply and they told me no way can that be even closely matched.I called Shelter here in St Louis and they said thats the best we can do.Sorry it isnt our problem if it doesnt match.Not very nice to me either. After a car loss in 2008 and my damaged house I have learned you are not in good hands with any insurance company .All they want is their premiums and dont give a crap about the policy holders.They lie,try to cheat you and then only want to pay for half of what the really owe.I agree Ofallon City Fathers needs to quickly change their code to a full match replacement. It can be done very easily and us homeowners wont be stuck with a house that people will laugh at.
Deborah H

Lake Saint Louis, MO

#3 May 31, 2011
I would advise a call or two to the Mayor and the board of alderman. Insurance companies are all for profit and never care about the property owners.I worked for State Farm and it was called State Fraud by many in the lunch room. You have to fight to get what your rightfully owed.It shouldnt be that way but they give it a good try.Its called short-claiming ,and dealing in Bad Faith with the property owner. Document ,Document,Document call,call,call.And your right Mayor Lowery in Florissant did change code to matching construction product that made the insurance companies do the right thing and if they couldnt match the siding pay the claim as it should have been a complete residing to match in color style and grain.
Harrahs My Home

Lake Saint Louis, MO

#4 May 31, 2011
Oh really the insurance company wants only to pay half what they owe? Whats new ? The insurance companys doing business here in Missouri had 7607 complaints filed against them in 2010 with the Mo Div of Insurance..Wonder what that # will be in 2011 with all this storm damage. I have already filed a complaint with them over my siding issues.I will fight to the end... make dozens of call I'm not getting screwed.

Moscow Mills, MO

#5 Jun 1, 2011
Think of it like this:

You have an auto accident, the door and front fender are damaged. They repair and repaint. Due to age, they may not be able to get the colors to match exactly.

This happens consistently. Do you really expect the insurer to repaint your whole vehicle?

Your contract (policy) with them probably states something along the lines of repairing damage. It sounds like they are fully willing to repair damage.

Expecting them to pay more than that- well, expect EVERYONE's insurance in the area to skyrocket.

Thanks for expecting me to help pay your bills, but I decline.
Not My House

Saint Charles, MO

#6 Jun 1, 2011
If you are willing to have a two-toned car thats up to you.On all policies there is a loss of value provision.I am also running into the same problem with my siding.I refuse to allow the insurance company to De-Value my home which appraissed at $340,500 in Jan. for a refinance. If they dont want to match I will be suing for loss of value.If you want a house that looks patched up thats your decision.Certainly wont be mine.

O Fallon, MO

#7 Jun 1, 2011
Make sure your working with a Local roofing/construction company who will fight for you ( and yes for themselves). Mine denied me and my sales guy wrote a letter, submitted pics and stuff and the insurance company said yes
Happy Homeowner

O Fallon, MO

#8 Jun 1, 2011
We hired Allied Construction out of Moscow Mils and they went thru the insurance company and had my house re-roofed already and the issue with a rear wall of siding went to a full replacement. They know what they are doing and a good local company and we are happy we used them.

Since: Apr 11

Location hidden

#9 Jun 2, 2011
Here is what you do. On the two sides with no damage you take a driver and tee up a few golf balls and rip them off the two clean sides of your house and claim them as hail damage so then they have to replace all the siding!!

O Fallon, MO

#10 Jun 2, 2011
I would look beyond allied
High Grove

Lake Saint Louis, MO

#11 Jun 2, 2011
Allied Construction has done a dozen or so houses in my subdivision including our home and they have done a great job and are very professional.

O Fallon, MO

#12 Jun 3, 2011
They did in my neighborhood too, until we all saw the crew and watched them put on the first roof- terrible. After that, they only had the one. But, to each their own
High Grove

Lake Saint Louis, MO

#13 Jun 3, 2011
None** you must be competition, Allied did four houses in a row next to mine and everyone is very happy.Give the address of this roof your talking about.Dont try to beat up on a good company.

O Fallon, MO

#14 Jun 3, 2011
I did not beat up on anyone, simply stated my opinion. Happy to see you sharing yours too.

Wentzville, MO

#15 Jun 3, 2011

Had the same problem with Shelter at my old house about hail holes in 2001 cant remember but Eagen or Lowery fixed that problem they made the insurance company re-side my home.They passed a law that the insurance company had to make the siding look like the rest of the house.When the city inspected they said it didnt look the same and Shelter had to fix it all.My old siding was 15 years old it really didnt match.I was happy.Glad I didnt get any damage.Sorry to those that did.

Wentzville, MO

#16 Jun 3, 2011
Sorry my old house was in Florisant.

Jim Thorpe, PA

#17 Jun 7, 2011
Same thing here, insurance says 2851.00, to fix damaged, 5sq roof, 4.83 roof, 4'X 13 roof, 6'X13 porch roof, Gutter with holes the size of baseballs from hail, downspouts, skylights, chandelier, water damage to carpets.Contractor want 3900.00 just to fix upper two roofs and sky light, how fair is this.

I have 2 homes and 2 cars suffering the same fate from one hail storm.

Even on the 69 news
Peed Off

United States

#18 Jun 12, 2011
Yes the insurance company approved half my roof and 1 wall of siding that isnt even made anymore.The insurance companys are a rip off.I have called my agent and he better do something about it.Why dont we have building codes here in Ofallon so this cant happen. Called State Farm and after waiting on line for a half hr.finally got to adjustor flat told me they dont care if it matches.I do and if they wont pay want I them to pay me for loss of value.

United States

#19 Jun 13, 2011
I see a very common thread in this blog ......State Farm , shelter etc.. are both companies where the "agents" work for the company and not for the client. Your agents cant fight who sign there pay checks . I own an Insurance agency in Wentzville . I will not sit here and say that we never have complaints on claims but I will say that as an Independent agent I work for my clients and myself. I look out for fraud for the Insurance companies BUT if my clients were being treated the way some of you were I would not have it! The siding example I have fought and won every time!! where are all your agents at??? It cost the Insurance Companies more to fight the claim than just pay the claim. Just word od advice ......go with an Independent Agent they will always work harder for you and the perks are nice such as they do all the shopping for you , also dont be fooled into thinking the MYTH that "I have been with State Farm/Farmers/American Family so long that I will loose discounts" Example AAA gives 40% discounts which blows away the others. Hope I have helped :)
Cant Say

Wentzville, MO

#20 Jun 15, 2011
I agree with agent,I to work for an agency,the squeky wheel gets the job done,if it was my house,car or boat I would never want it half done,not matched.There is a loss of value in your policy.READ IT..USE IT.. the insurance companies should pay to make your loss right.Bull Crap.Fight to the end.

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