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JASON B | Insurance company wont pay for my gutter because they say it wasnt windy enough. Is there anything i can do? |
it was really windy but they say it was 39mph and they only pay out at 47mph + |
 |
 
Lizard
 |
Yes, get your guttering sorted. Storm does not cause this kind of damage.Look up the Beaufort weather scale 39mph is 3334 knots per hours this is not storm. FOS guide line is 44 knots. The insurance company 47 mph in knots is is 40 knots so as you can see you not really close as the mph indicates.
Sorry, but guttering is also in lots of insurance excluded. |
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belligerent assistant
 |
First of all a gutter is a cheap (relatively) piece to replace on your house.
Is the deductible less or more than the cost of a new gutter?
If its less by a few hundred--then that's an issue & you may want to go check with your local weather service if they can give you a hardcopy of how windy it was when your gutter came off.
Although most gutter work can be done by yourself with some basic knowledge picked up at the hardware store.
Good luck. |
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Faye H
|
I've never seen a homeowners policy that actually stated how hard the wind had to be blowing in order for them to pay. Besides, even if the wind was blowing 39 mph, wind gusts happen all the time so the reason you are stating that they aren't paying really doesn't make sense.
You have a deductible on your policy. It is likely that the damage is under the deductible so there is nothing to pay. Gutters aren't all that expensive to repair so if you had a $500 deductible, it's probably less than the deductible.
The other possibility that I can think of is that the gutter didn't fall because it was windy. The gutter fell because it was in a state of disrepair. If they sent an adjuster out there and found that ALL of your gutters are about to fall down, and the reason they are falling is because you aren't keeping them repaired, then they may be blaming the gutter falling on the fact that you aren't maintaining the house.
Not paying because it wasn't windy enough makes no sense. Insurance policies cover wind damage. There is no minimum and maximum MPH the wind has to be blowing.
If they denied your claim, you would have gotten a denial letter from them stating the reason the claim was denied. What does the letter say? |
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Matt1331
 |
Take your complaint to your state's Department of Commerce / Insurance Commissioner.
I've never heard of a homeowner's policy that defines how windy it needs to be to pay out a claim, so that is suspect right there.
The Insurance Department can answer your questions and if necessary they can help you resolve it, if they can help you this is a better way to do it rather than trying to drag it through the court system, even the small claims system.
Good Luck. |
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sparman20
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In my opinion insurance is the biggest legal fraud, they are always so happy to take your money but not that great when it comes to having a claim. Just put your money in your bank account, let it gain interest and when you have a problem you can sort it yourself. |
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den invent
 |
Challenge it and tell them you intend to claim through small claims courts they will pay. |
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Englishcad
|
Simple go out,get a friend to go round burn the house to the ground..................... See how the insurance company like that,they will wish they had paid for some gutters after all.Enjoy your stay in the hotel while your place is being rebuilt,don't forget to tell them,you had some priceless art work on the walls as well....... TTFN |
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