- My Forums
- Tiger Rant
- LSU Recruiting
- SEC Rant
- Saints Talk
- Pelicans Talk
- More Sports Board
- Fantasy Sports
- Golf Board
- Soccer Board
- O-T Lounge
- Tech Board
- Home/Garden Board
- Outdoor Board
- Health/Fitness Board
- Movie/TV Board
- Book Board
- Music Board
- Political Talk
- Money Talk
- Fark Board
- Gaming Board
- Travel Board
- Food/Drink Board
- Ticket Exchange
- TD Help Board
Customize My Forums- View All Forums
- Show Left Links
- Topic Sort Options
- Trending Topics
- Recent Topics
- Active Topics
Started By
Message
re: Any of you south LA folks have words of wisdom for dealing with named-storm ins claims?
Posted on 1/28/26 at 6:46 pm to Old Character
Posted on 1/28/26 at 6:46 pm to Old Character
do not allow your contractor to access your insurance claim directly. Keep yourself between contractor and insurance otherwise your claim has a high potential to being drained improperly.
If you have a mortgage company, that complicates the cash flow by a factor of 2-3 times. You will likely have to have a source of funds external to manage the cash float. Contractor does work wants to get paid, Insurance writes check to you and mortgage company as cosigners. Mortgage company requires proof of work compared to adjuster work sheet. 6 weeks later contractor stops work waiting on payment sign off by mortgage company.
The adjuster scope of work is the most important document. The contractor will use that against you to minimize work. Legally you are not allowed to trade scope issues{sidewalk broke-not allowed to reconfigure drive way and sidewalk to take care of other problem}. The mortgage company will not sign off on any work check without clear connection with scope of work.
All the rules are written to benefit the insurance company, contractor and mortgage company. you will feel last.
If you have a mortgage company, that complicates the cash flow by a factor of 2-3 times. You will likely have to have a source of funds external to manage the cash float. Contractor does work wants to get paid, Insurance writes check to you and mortgage company as cosigners. Mortgage company requires proof of work compared to adjuster work sheet. 6 weeks later contractor stops work waiting on payment sign off by mortgage company.
The adjuster scope of work is the most important document. The contractor will use that against you to minimize work. Legally you are not allowed to trade scope issues{sidewalk broke-not allowed to reconfigure drive way and sidewalk to take care of other problem}. The mortgage company will not sign off on any work check without clear connection with scope of work.
All the rules are written to benefit the insurance company, contractor and mortgage company. you will feel last.
0
Posted on 1/28/26 at 6:47 pm to salty1
Is this really going to be considered a named storm?
Posted on 1/28/26 at 7:01 pm to salty1
Besides documenting everything as mentioned. If your siding has been damaged and needs replacing, keep a piece of it, they’ll want a sample to make sure the old stuff doesn’t work with current materials. If it doesn’t, they owe you whole new siding. I did and had to send in a sample; then it was no questions asked.
Make sure your adjuster measured your baseboard heights correctly. If you need new drywall, they have to pay for your time to remove all electrical plates. If your bathroom has drywall that needs to be replaced, they have to pay for you to remove and reinstall the toilet. (It’s a decent chunk of $300). It’s such a shitty game to go through. I tried several GC’s that never came through and just hired out and did some of the work myself. You have to be meticulous on the adjuster’s findings and ask questions because there could be significant differences. Third party adjusters, if you have a good one, can be a lifesaver.
I documented the mitigation as much as the demo. Probably had 400-500 photos including before the storm and after. Before is key as well.
Personal property can be harder but photos help.
I only responded as I went through it. It sucks, it’s a lot of stress. Excel file is a must on separate hard drives. I overpay for homeowners now because of my experience. It wasn’t a bad insurance experience, but knowing all that could happen.
Make sure your adjuster measured your baseboard heights correctly. If you need new drywall, they have to pay for your time to remove all electrical plates. If your bathroom has drywall that needs to be replaced, they have to pay for you to remove and reinstall the toilet. (It’s a decent chunk of $300). It’s such a shitty game to go through. I tried several GC’s that never came through and just hired out and did some of the work myself. You have to be meticulous on the adjuster’s findings and ask questions because there could be significant differences. Third party adjusters, if you have a good one, can be a lifesaver.
I documented the mitigation as much as the demo. Probably had 400-500 photos including before the storm and after. Before is key as well.
Personal property can be harder but photos help.
I only responded as I went through it. It sucks, it’s a lot of stress. Excel file is a must on separate hard drives. I overpay for homeowners now because of my experience. It wasn’t a bad insurance experience, but knowing all that could happen.
Posted on 1/28/26 at 7:21 pm to Riverside
quote:
The ice storm doesn’t count as a named storm.
Correct.
However if you say the wind blew the ice covered tree on your home. The adjuster could apply the higher wind deductible instead of the lower weight of ice/snow deductible. So don't bring up wind when you speak to anyone with the ins company.
Posted on 1/29/26 at 9:52 pm to lshuge
quote:
Hire a lawyer. It’s the only way you will get a fair settlement.
There is no worse advice than this.
Attorneys have to get their 40% from you and property adjusting is so much cleaner than soft tissue where attorneys can get $200,000 medical bills they later settle for $50,000.
The law’s around property damage claims are in the damaged parties favor.
AI can do equal without taking 40% of your claim.
Posted on 1/30/26 at 10:53 am to Riverside
Update. As stated, they aren’t doing the named storm thing. Thanks again for everyone’s advice. Still no power in most of the area around us. It’s crazy though…10 miles east and it’s like nothing happened.
Page 2 of 2
Popular
Back to top
Follow TigerDroppings for LSU Football News