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Message
re: A tree just destroyed my house
Posted on 6/16/23 at 7:53 am to Salmon
Posted on 6/16/23 at 7:53 am to Salmon
This exact thing happened to a friend of mine. The insurance said the house was history because of structural damage. They moved to an apartment and built a house in another neighborhood. Their small son suffered from PTSD and required counseling. Everything is fine now. Good luck.
1
Posted on 6/16/23 at 8:03 am to Salmon
I think anything anyone could add has been covered ITT and hope you and your family the best navigating handling this.
I will never own a house with more than a small flowering tree within striking distance of my house. After all of the storms I have worked as a contractor, it's just worth it even though we all love big beautiful oak trees around our houses in the south. I have three large oak trees in my yard but none of them could ever land on my house. When I bought the place I removed a smaller live oak that was close to the house because I didn't want the worry.
I will never own a house with more than a small flowering tree within striking distance of my house. After all of the storms I have worked as a contractor, it's just worth it even though we all love big beautiful oak trees around our houses in the south. I have three large oak trees in my yard but none of them could ever land on my house. When I bought the place I removed a smaller live oak that was close to the house because I didn't want the worry.
Posted on 6/16/23 at 8:04 am to Salmon
Get ready for battle royal with your insurance company.
Also get ready to get FKD by what they love to call depreciation. But fail to add back inflation.
Just an example say a garage door 5 yrs ago cost 2k. They use a calculation to depreciate the door cause its 5yrs old. So now they will say it's worth 1k. Now go buy a new one and it's 8k. 7k out of pocket even though you are fully insured.
Also get ready to get FKD by what they love to call depreciation. But fail to add back inflation.
Just an example say a garage door 5 yrs ago cost 2k. They use a calculation to depreciate the door cause its 5yrs old. So now they will say it's worth 1k. Now go buy a new one and it's 8k. 7k out of pocket even though you are fully insured.
Posted on 6/16/23 at 8:12 am to bayouvette
quote:
Now go buy a new one and it's 8k.
WTF kind of garage door are you buying?
Also, age depreciation is based on today's prices so inflation is covered in that regard.
The software adjusters use called Xactimate goes by zip codes and is updated daily based on local market prices.
This post was edited on 6/16/23 at 8:15 am
Posted on 6/16/23 at 8:12 am to Salmon
Lost my house and all my goods in Katrina. Couple of things I highly recommend after that ordeal:
1. Record all phone calls with the ins company. They will lie about any and everything they tell you.
2. Make notes of all phone calls: day/time/number called and most importantly, name of the person you spoke to and the department in which they work. Send an email after call ends confirming substance of what was said/discussed/promised. Conclude email with something like: "Please advise if anything in the foregoing is inaccurate."
Good luck. Try to stay calm and do not act impulsively. Just remember that the most important thing is that no one was physically hurt.
1. Record all phone calls with the ins company. They will lie about any and everything they tell you.
2. Make notes of all phone calls: day/time/number called and most importantly, name of the person you spoke to and the department in which they work. Send an email after call ends confirming substance of what was said/discussed/promised. Conclude email with something like: "Please advise if anything in the foregoing is inaccurate."
Good luck. Try to stay calm and do not act impulsively. Just remember that the most important thing is that no one was physically hurt.
Posted on 6/16/23 at 8:13 am to bayouvette
Almost every homeowners policy I’ve seen is Replacement cost. If you have an ACV policy that’s your fault.
Posted on 6/16/23 at 8:14 am to Salmon
Sorry to hear this Salmon. I’m glad you and your family are safe, but that’s devastating. Wish there was something I could do to help. Keep us updated.
Posted on 6/16/23 at 8:16 am to bayouvette
quote:
Also get ready to get FKD by what they love to call depreciation.
True, if he has an actual cash value HO policy. But shouldn’t be an issue if he has a replacement cost policy.
This post was edited on 6/16/23 at 8:17 am
Posted on 6/16/23 at 8:17 am to Salmon
So sorry to hear this salmon, but very glad to hear everyone is safe.
Make sure you get all your documents out and get someone there to tarp it asap if possible. I would also have anninaurance lawyer ready on speed dial as all insurance companies will do everything to F you over.
They should provide you with a place to stay during the time you are gone, food, etc... Keep all receipts
Make sure you get all your documents out and get someone there to tarp it asap if possible. I would also have anninaurance lawyer ready on speed dial as all insurance companies will do everything to F you over.
They should provide you with a place to stay during the time you are gone, food, etc... Keep all receipts
Posted on 6/16/23 at 8:18 am to Salmon
(no message)
This post was edited on 6/16/23 at 2:27 pm
Posted on 6/16/23 at 8:19 am to TulaneLSU
quote:
TulaneLSU
I appreciate how committed you are to the bit that you can weave in good advice without breaking the wall. You are too good for this site
Posted on 6/16/23 at 8:22 am to Twenty 49
quote:
But shouldn’t be an issue if he has a replacement cost policy.
Yes, he will get his depreciation cost back once the repairs are made. They initially take deprecation out because some people keep the money instead of making repairs.
Unless it's a privacy fence. They are usually always ACV with a life limit of 10 years. After 10 years of age, you aren't getting crap for them.
Posted on 6/16/23 at 8:24 am to Salmon
Salmon, I'm sorry for your loss and glad your family is safe. Tons of great advice in this thread, I'll add a few thoughts based on my experience post Ida.
Call your insurance agent asap this morning. He'll be your greatest asset dealing with the claims department. Or at least, mine was.
Find a mini-storage as close as possible and rent it now for your household items that need temp storage during the repairs. These units will go fast with others in your predicament.
Do not let a roofing company deal directly with your insurance company.
This was Stout's advice after Ida, search his Ida posts for other other helpful contracting advice. It was all very helpful to me and perhaps he'll weigh in here today.
The established roofing companies quotes were all within a thousand bucks of each other for my roof. Yes, including Garcia.
Take pictures of the damage do not take videos for instance purposes.
Eventually you'll be asked to upload photos to your insurance companies Claims site. They do not want videos only photos. The EXIF data imbedded in the photo is proof of date taken. I eventually ended up with over 100 photos on State Farm's claims site set up for me. Phone taken photo resolution quality is fine.
Do you have friends or relatives in the home building or repair business? My cousin a custom home builder saved me a ton of grief questioning contractors and quotes I received. And, for contractor referrals.
Keep in mind you'll become your own "general contractor." It's best to use established local contractors, even if their time line is longer than you'd like.
When possible after you deal with immediate needs, create a spreadsheet to track the different elements of your claim.
Good luck, God Bless I pray your recovery goes as well as possible for you and your family.
Call your insurance agent asap this morning. He'll be your greatest asset dealing with the claims department. Or at least, mine was.
Find a mini-storage as close as possible and rent it now for your household items that need temp storage during the repairs. These units will go fast with others in your predicament.
Do not let a roofing company deal directly with your insurance company.
This was Stout's advice after Ida, search his Ida posts for other other helpful contracting advice. It was all very helpful to me and perhaps he'll weigh in here today.
The established roofing companies quotes were all within a thousand bucks of each other for my roof. Yes, including Garcia.
Take pictures of the damage do not take videos for instance purposes.
Eventually you'll be asked to upload photos to your insurance companies Claims site. They do not want videos only photos. The EXIF data imbedded in the photo is proof of date taken. I eventually ended up with over 100 photos on State Farm's claims site set up for me. Phone taken photo resolution quality is fine.
Do you have friends or relatives in the home building or repair business? My cousin a custom home builder saved me a ton of grief questioning contractors and quotes I received. And, for contractor referrals.
Keep in mind you'll become your own "general contractor." It's best to use established local contractors, even if their time line is longer than you'd like.
When possible after you deal with immediate needs, create a spreadsheet to track the different elements of your claim.
Good luck, God Bless I pray your recovery goes as well as possible for you and your family.
Posted on 6/16/23 at 8:25 am to jlovel7
quote:
They made a frick ton of money on it actually because of insurance and all.
I wouldn't be telling a message board your inlaws made a huge profit off of an insurance claim but that's just me.
Posted on 6/16/23 at 8:28 am to Broken Arrow
quote:
You suffered a tragedy and the first thing you do is run to an internet message board?
There are few places in the world that have a more dense concentration of baws that have fought home owners insurance claims than a board full of south Louisiana baws
Posted on 6/16/23 at 8:31 am to Mr Breeze
quote:
This was Stout's advice after Ida, search his Ida posts for other other helpful contracting advice. It was all very helpful to me and perhaps he'll weigh in here today.
You guys have it all covered but the only thing I would add is that he needs to press his insurance company for a report from a structural engineer.
Too many people skip this when a tree falls on a portion of the house. Yes rafters, joists, decking, roofing, etc could be the only things that are damaged and once repaired be structurally fine but the force of the tree hitting could do damage not visible to most. The whole house could have shifted due to the force of the impact and be out of square or plumb now.
ETA: Also, depending on the age of your shingles, there is no way I would let them just patch the damaged area which sometimes they try to get away with. Press hard for a full roof replacement.
This post was edited on 6/16/23 at 8:35 am
Posted on 6/16/23 at 8:31 am to Broken Arrow
quote:
You suffered a tragedy and the first thing you do is run to an internet message board?
Are you a 16 year old girl?
Read the entire thread and I came back to find your immature, childish and shitty post and to let you know you are a first class a-hole of the highest order.
Congratulations shithead.
Now frick off.
Posted on 6/16/23 at 8:33 am to Salmon
after ida i witnessed a house that a tree basically chopped in half, in the coming months they were able to rebuild it to like nothing ever happened
This post was edited on 6/16/23 at 8:39 am
Posted on 6/16/23 at 8:35 am to Salmon
Hey man I don’t have any advice for you but just wanted to say I’m sorry this happened, good on you for looking after your first priority, and with your family safe and hopefully most of your favorite material things recovered, this will be more of a slog than a life changer. You guys will be ok and it’ll feel more and more like that pretty much everyday from here out, hopefully.
Posted on 6/16/23 at 8:36 am to Salmon
Haven’t been through anything like that. But we had a major water line bust 3 months after buying a house. We were out of the house for 4 months to repair damage to floors and walls etc. (this was right after we remodeled lol)
Insurance may cover an Airbnb for you and the family until it’s repaired.
My only advice is patience and hire a good contractor. Interview more than 1. Get references. We learned some hard lessons there.
Insurance may cover an Airbnb for you and the family until it’s repaired.
My only advice is patience and hire a good contractor. Interview more than 1. Get references. We learned some hard lessons there.
This post was edited on 6/16/23 at 8:37 am
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