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@adulterousb You have two separate claims as they are separate losses on separate dates, therefore you have two separate deductibles that apply.

@girdyourloins You do not hire a lawyer, you pay insurance for these type of things. If the impatient neighbor is going to sue you all you do is present the information to your insurer and they will handle accordingly. Sounds like the neighbor is trying to scare you into paying for something...

@johnredeemed103 🤣🤣🤣

@resjudicata oh I am virtual I don't actually do field inspections, and the roof claims I handle are on the backend side after a field adjuster already inspected and wrote an estimate and Joe Blow Roofer comes in with a $30k supplement....

@thislifeandthenext 1) You did not have a "flood" you had a sewer and drain water back up due to sump pump failure. In order for this type of loss to be covered your policy would need to cover sewer and drain, most base policies do not, or need an endorsement for sewer and drain coverage. 2)...

@dansswing They only owe for matching if your policy, or state, requires it. They owe for same Like, Kind and Quality (LKQ). Additionally, depending on your policy, and/or state, they may only owe for partial repairs to the area if it can be repaired, if not they may only pay to repair the...

@resjudicata Ya I have that all the time when they get one estimate, sometimes maybe two, especially on Mobile Homes and especially in Florida. I always tell my insureds that 1) you have a MH and contractors always shoot for the moon with their estimates so it's worth their time to do the work...

@jaredsa The release is an agreement that states you are accepting their settlement offer and releasing them from liability and any future claims from that occurrence. In other words, they don't owe you another penny because you signed the release.

@alan226 Don't compare the ACV amount to the estimate amount, compare the Adjuster's Replacement Cost Value (RCV), and their scope of work vs the contractor bids. If your contractor bids are not providing an itemized estimate that details out the labor and material costs, quantity and grade...

@sdahasaqueation a facebook lawyer....

@perdedoras Well there are many factors that are not mentioned here to properly recommend anything. To name a few: Is the $11k the actual cash value (ACV) amount for the repairs or the replacement cost value (RCV) amount for the covered damages? Does your policy have RCV coverage? What has...

@jaredsa You may want to provide the following information: State this occurred in and was the claim with your insurer or the other party's insurer.