gaelicprincess
Junior Member
What is the name of your state Tennessee?
We owned a home that we recently lost to foreclosure partly because of our insurance companies failure to pay on two separate claims. In July we filed two claims with our home owners insurance company, the first was that our brand new air conditioner had been stolen along with all the copper wiring. This had been recently installed and cost us around $4,000 to have installed. That did not include the copper wiring. To this date we have received a $900 check which was supposed to cover the cost of the replacement of the unit and the wiring which was minus the $2,000 deductible. Of course that did not cover the replacement or come near the estimate of the new system.
The second claim involved storm damage which all the houses in our area had. Our roof was torn to shreds by hail and had shingles missing, we waited for three months and are still waiting for the money on that claim. After the rain and sun wore the tar paper away form the boards on the roof in August we paid for someone out of our own pockets to replace the shingles that were missing as a temp fix until we were paid on the claim and could have the shingles replaced. We were told we had to have the contractor sign off on paperwork and that any check s written on the claim would be written to us and the contractor jointly, which was very irritating to say the least, but my dad is a commercial contractor so he was trying to help us out on this issue and get things moving.
However, we have never been paid for the claim on the air conditioner, we received one check that was written to us and the company who gave the estimate, in other words we had to pay the company up front or we could not cash the check! What a rip off, what if they didn't finish the work?
We in the mean time sent our payment for August in a week late, the mortgage company refused to take the payment. They foreclosed on our house with the payments sitting in western union, denying the entire time that they ever received the money that was sitting there all along. Now this only happened because we had to pay the contractor to replace the shingles on our roof, otherwise we would never have been late to begin with. Now we have lost our home of 15 years that we only owed 5 years on and had just finished totally remodeling.
I am frustrated that the insurance company refused to write us a check without the air conditioning companies name on it, they sent out independent people from the insurance company to give estimates on both jobs, they just refused to give us a check in a timely manner and when we did get a check it was written to us and the contractor, this forced us to use money out of pocket which in turn cost us our entire home.
We owned a home that we recently lost to foreclosure partly because of our insurance companies failure to pay on two separate claims. In July we filed two claims with our home owners insurance company, the first was that our brand new air conditioner had been stolen along with all the copper wiring. This had been recently installed and cost us around $4,000 to have installed. That did not include the copper wiring. To this date we have received a $900 check which was supposed to cover the cost of the replacement of the unit and the wiring which was minus the $2,000 deductible. Of course that did not cover the replacement or come near the estimate of the new system.
The second claim involved storm damage which all the houses in our area had. Our roof was torn to shreds by hail and had shingles missing, we waited for three months and are still waiting for the money on that claim. After the rain and sun wore the tar paper away form the boards on the roof in August we paid for someone out of our own pockets to replace the shingles that were missing as a temp fix until we were paid on the claim and could have the shingles replaced. We were told we had to have the contractor sign off on paperwork and that any check s written on the claim would be written to us and the contractor jointly, which was very irritating to say the least, but my dad is a commercial contractor so he was trying to help us out on this issue and get things moving.
However, we have never been paid for the claim on the air conditioner, we received one check that was written to us and the company who gave the estimate, in other words we had to pay the company up front or we could not cash the check! What a rip off, what if they didn't finish the work?
We in the mean time sent our payment for August in a week late, the mortgage company refused to take the payment. They foreclosed on our house with the payments sitting in western union, denying the entire time that they ever received the money that was sitting there all along. Now this only happened because we had to pay the contractor to replace the shingles on our roof, otherwise we would never have been late to begin with. Now we have lost our home of 15 years that we only owed 5 years on and had just finished totally remodeling.
I am frustrated that the insurance company refused to write us a check without the air conditioning companies name on it, they sent out independent people from the insurance company to give estimates on both jobs, they just refused to give us a check in a timely manner and when we did get a check it was written to us and the contractor, this forced us to use money out of pocket which in turn cost us our entire home.
? First off we didn't replace the AC, we never cashed the check. Second off AC is a necessity since I have multiple sclerosis and can not be in the heat or I will end up in the hospital. Third I filed both claims at the same time and never got a response until I went personally to the insurance office and even then had to wait several week only in the end to get nothing for the roof.