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Post by whatif on Jul 16, 2020 9:53:43 GMT -6
I’m so sad to hear of this, socalexile... Any updates on the situation for us? Adding my prayers to those of our brothers and sisters!
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Post by socalexile on Aug 5, 2020 0:01:52 GMT -6
More drama that I need some help understanding mike . The estimate has been approved and now we're talking to the restoration company project manager, who is now telling us that getting the spray foam insulation replaced isn't totally covered in the estimate and will need to be approved, which he says may take a couple weeks on top of a 2-3 weeks more to get the one contractor to do it. So now he's pushing us to accept a lower-quality, less-effective and less durable fiberglass option. This is on top of increasing the time he wants us out of the house "to take care of it all at once" and on top of trying to persuade us to not have him stain the deck. I'm feeling like this guy is trying to push us to cut corners, and I'm not sure what options I have considering that the money has already been approved for this resto company. The house was very energy efficient, insulated to R60 (and vented), and air sealed to 5 acfm50 according to the seller we bought it from. |
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Post by mike on Aug 5, 2020 6:49:10 GMT -6
More drama that I need some help understanding mike . The estimate has been approved and now we're talking to the restoration company project manager, who is now telling us that getting the spray foam insulation replaced isn't totally covered in the estimate and will need to be approved, which he says may take a couple weeks on top of a 2-3 weeks more to get the one contractor to do it. So now he's pushing us to accept a lower-quality, less-effective and less durable fiberglass option. This is on top of increasing the time he wants us out of the house "to take care of it all at once" and on top of trying to persuade us to not have him stain the deck. I'm feeling like this guy is trying to push us to cut corners, and I'm not sure what options I have considering that the money has already been approved for this resto company. The house was very energy efficient, insulated to R60 (and vented), and air sealed to 5 acfm50 according to the seller we bought it from. SoCal - Unfortunately I'm not a claims expert but have some familiarity. Insurance is meant to restore your property to the condition it was in before the loss. Of course that is when possible. For example if your home was built in 1900, you'd have knob & tube wiring. That type is very dangerous and the insurer wouldnt replace using that wiring. So the cost of that 'upgrade' could be passed to you, but they would still pay for the work and likely a portion on material. Now this contractor is trying to take this the opposite direction. I ask you - does (or did) the insurance company know that you had spray foam insulation when they considered the estimate? If they did I suggest bringing this issue back to them for them to handle. It is the responsibility of the insurance company to defend you (liability wise if there were a court proceeding) and to handle the claim on your behalf. I do believe you can also obtain another estimate from someone who will handle this to restore your property to its original condition. Inbox me if you want to discuss other items or for me to look at your coverage. I can check to see what type of policy you have if youre not familiar with the language. My above assumes a typical HO3 or higher, however there are coverages where the ins. co. could have sold something with 80% or 90% not the full 100%. This would mean that the contractor is given $xx,xxx in the approved estimate and in order to meet that number he will use other materials since the policy isnt covering 100%. Just a speculation since IDK what coverage you have. |
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