I live in Maryland.
A tree fell on my house in the middle of the night on June 28th. It went through the attic and then the cielings of my dining room and living room. We managed to save virtually eveything (furniture, china, etc.), and did our best to continuosly dry the floors until the rain ended. I called Geico in the middle of the night and asked who they recommended that I call. I was able to reach the recommended construction company and by 8am there was a crane removing the tree and a company removing my furniture from the two rooms. The adjuster showed up at about 11am and left at 1pm., assuring us that we were fully covered.
I paid to have three additional trees removed that could have presented a threat to the house in the future.
The construction company submited an estimate and the insurance agency thought the items were correct but the price was too high. They just this week found a new construction company to do the work and they are coming out to take measurements and say they should be able to start the job in two weeks.
It is two months since the tree hit my house and it is raining today and it is raining in my dining room and living room as well. Boards and tarps were put over the roof as a temporary fix by the first construction company and they even came and reinforced it when it leaked during the last rain storm. I received a letter from the first company saying they are not responsible for damages resulting from leaks because it was not designed to be more than a temporary fix.
My question is: What is the insurance agency's obligation in terms of the timely repair of my home, and who is responsible for the damage that has occured due to the ineffective temporary fix (i.e. hardwood floors buckling...)?
A tree fell on my house in the middle of the night on June 28th. It went through the attic and then the cielings of my dining room and living room. We managed to save virtually eveything (furniture, china, etc.), and did our best to continuosly dry the floors until the rain ended. I called Geico in the middle of the night and asked who they recommended that I call. I was able to reach the recommended construction company and by 8am there was a crane removing the tree and a company removing my furniture from the two rooms. The adjuster showed up at about 11am and left at 1pm., assuring us that we were fully covered.
I paid to have three additional trees removed that could have presented a threat to the house in the future.
The construction company submited an estimate and the insurance agency thought the items were correct but the price was too high. They just this week found a new construction company to do the work and they are coming out to take measurements and say they should be able to start the job in two weeks.
It is two months since the tree hit my house and it is raining today and it is raining in my dining room and living room as well. Boards and tarps were put over the roof as a temporary fix by the first construction company and they even came and reinforced it when it leaked during the last rain storm. I received a letter from the first company saying they are not responsible for damages resulting from leaks because it was not designed to be more than a temporary fix.
My question is: What is the insurance agency's obligation in terms of the timely repair of my home, and who is responsible for the damage that has occured due to the ineffective temporary fix (i.e. hardwood floors buckling...)?