recent hail damage...need help

[FishersHail]

What is the name of your state (only U.S. law)? Indiana

I am wondering what the law is for hail damage to vinyl siding is in Indiana? We recently had a large hail storm...baseball size hail ([url=http://www.wthr.com/Global/story.asp?S=10473276]Homeowners face insurance claims after hail storm - WTHR | Indianapolis[/url]) in Indiana. I had my adjuster out today and he said that they would only replace the sides that were damaged. I have had a few contractors provide me quote for the damage (roof, siding, gutters, fence, wood trim, etc.) and some have indicated that the siding should be replaced by the home owners insurance if the siding is out of style and doesn't match...is that true? We have our home owners insurance through the Hartford.
Also does anyone have any opinions on have a general contractor (damage repair specialist) represent you with when deal with the homeowners insurance company vs. you working with several different contractors and deal with the homeowners. This is my first time claiming on the homeowners and some contractors will not provide quotes unless you sign a contract basically saying you are out of the loop and general contractor will be working directly with the insurance company and all money will be paid to the contractor.
Any help would be great! Thanks, P

[moburkes]

Read your policy. Most policies state that they will only cover what is damaged.

[b.momma]

I agree, insurance only covers the damaged portion. They do not need to provide a new roof, gutters, and a whole house of sideing if only a portion of the siding is damaged. ..

[b.momma]

[quote=FishersHail;2279163]

I had my adjuster out today and he said that they would only replace the sides that were damaged.

Then thats what they will cover, why are you even asking ?

I have had a few contractors provide me quote for the damage (roof, siding, gutters, fence, wood trim, etc.) and some have indicated that the siding should be replaced by the home owners insurance if the siding is out of style and doesn't match...is that true?

Heck no thats not true. what do contractors know about what the insurance will or will not cover. they are trying to get your business.

Also does anyone have any opinions on have a general contractor (damage repair specialist) represent you with when deal with the homeowners insurance company vs. you working with several different contractors and deal with the homeowners.

Im not sure what you mean by this. YOU deal with the HO ajuster. The ajuster tells you what will be covered, then you tell the contractor what to do.

This is my first time claiming on the homeowners and some contractors will not provide quotes unless you sign a contract basically saying you are out of the loop and general contractor will be working directly with the insurance company and all money will be paid to the contractor

.

Thats silly, but I can see that. gen contractor does whatever little the company wants then is paid directly.

[moburkes]

Originally Posted by b.momma

I agree, insurance only covers the damaged portion. They do not need to provide a new roof, gutters, and a whole house of sideing if only a portion of the siding is damaged. ..

An HO5 might cover the damage, but very few HO5 policies are written nowadays. This is why I directed him to read his policy.

[b.momma]

Originally Posted by moburkes

An HO5 might cover the damage, but very few HO5 policies are written nowadays. This is why I directed him to read his policy.

Interersting, I'm pritty young, and I have never heard of anything more then an ho4 I was sure that is the standard form for homeownwers.

maby it is an extreamly old policy, but since the ajuster said "just the damage portion", thats a clear indication of the regular ho4 policy.

[moburkes]

Originally Posted by b.momma

Interersting, I'm pritty young, and I have never heard of anything more then an ho4 I was sure that is the standard form for homeownwers.

maby it is an extreamly old policy, but since the ajuster said "just the damage portion", thats a clear indication of the regular ho4 policy.

You need to stop posting if you don't know what you're talking about. An HO4 policy is a renters policy, not a homeowner's policy. A standard homeowners policy is an HO3. An HO5 is not an old policy. It's relatively new.

So take your "clear indication" and shove it.

[FishersHail]

Originally Posted by moburkes

Read your policy. Most policies state that they will only cover what is damaged.

I have the policy but can't find any text that talks about damage...any one know where I can look...thanks for all the help! P

[FishersHail]

[quote=b.momma;2279504]

Originally Posted by FishersHail

Then thats what they will cover, why are you even asking ?



Heck no thats not true. what do contractors know about what the insurance will or will not cover. they are trying to get your business.



Im not sure what you mean by this. YOU deal with the HO ajuster. The ajuster tells you what will be covered, then you tell the contractor what to do.


.

Thats silly, but I can see that. gen contractor does whatever little the company wants then is paid directly.

One company I have been working with has several different divisions of one larger company that will be able to do 90% this work. Yesterday the siding guy indicated that if they are do the work that the quotes I am getting would need to be paid in addition to the management fee that insurance will pay as part of the claim...sounds strange? I understand if they need to work with the adjuster to get the claim amount approved high to cover all cost but I they are do anything more then collecting a check I do not think this is fair for me do all this leg work with the insurance company.
Thanks again for all the help! P

[moburkes]

Very first page. At the top. Does it say HO3 Special Form?

[FishersHail]

Originally Posted by moburkes

Very first page. At the top. Does it say HO3 Special Form?

It says HO 00 05
what does this mean

thanks,
p

[FishersHail]

Originally Posted by FishersHail

It says HO 00 05
what does this mean

thanks,
p

Ok i am reading the policy more and it states this
"the replacement cost of the part of the building damaged with material of like kind and quality and for like use"
as related to my siding does this give me room to push the insurance adjuster to get all the siding replaced on my house even though only about 1/3 of my house was damaged?
How about line of sight issues with miss match siding?

[moburkes]

Originally Posted by FishersHail

Ok i am reading the policy more and it states this
"the replacement cost of the part of the building damaged with material of like kind and quality and for like use"
as related to my siding does this give me room to push the insurance adjuster to get all the siding replaced on my house even though only about 1/3 of my house was damaged?
How about line of sight issues with miss match siding?

Nope. You found the exact part you were looking for and it specifically states that they're only replacing what was damaged.

An HO5 is the best HO policy out, in my opinion. Keep it. BUT, in your case, your insurance company specifically says they're only paying for what's damaged.

[FishersHail]

Originally Posted by moburkes

An HO5 is the best HO policy out, in my opinion. Keep it. BUT, in your case, your insurance company specifically says they're only paying for what's damaged.

Can you explain this a bit more for me...first home first home owners claim.
Thanks, P

[JustAPal00]

Originally Posted by moburkes

You need to stop posting if you don't know what you're talking about. An HO4 policy is a renters policy, not a homeowner's policy. A standard homeowners policy is an HO3. An HO5 is not an old policy. It's relatively new.

So take your "clear indication" and shove it.

Don't forget about 2's and 8's!