Home Mail MemberMap Chat (0) Wallpapers
Go Back   ChiefsPlanet > The Lounge

Reply
 
Thread Tools Display Modes
Old 04-30-2013, 12:31 PM  
Chief Gump Chief Gump is offline
Run dumb ass run
 
Chief Gump's Avatar
 
Join Date: Jun 2012
Casino cash: $5000
Insurance Gurus

So my roof and a few other things got trashed in the hail storm up here in Omaha a few weeks ago. The insurance company wrote up an estimate of $9304 minus depreciation of $4143 minus deductible of $1780 and they are writing a check for $3380.

They state that I can recoup the depreciation amount once the work is done and I submit receipts. They included this paragraph -

"Actual cash value is an amount less than the full replacement cost of the damaged property, usually by a
depreciable amount related to the useful life of the property. You may be entitled to recover all or a portion
of the depreciation shown above, under the replacement cost portion of your policy. In order to recover the
withheld depreciation, please forward a copy of the final replacement invoices, receipts, cancelled checks or
credit card statements to the above captioned address for consideration. We will not reimburse you more than
the amount you actually and reasonably spend to repair or replace the lost or damaged property. Please be
certain to include the claim unit number on all correspondence. Your claim unit number can be found at the
top of this letter. Please note that the Conditions section of your policy also includes a time limitation of 12
months from April 29, 2013, within which to complete repairs and submit your Replacement Cost Claim."

I was considering doing most the work myself to help cover the deductible but it sounds like even if I do I wouldn't be able to recoup the full amount because they will only pay part of it. Anyone know how this works exactly?
Posts: 437
Chief Gump is not part of the Right 53.Chief Gump is not part of the Right 53.Chief Gump is not part of the Right 53.Chief Gump is not part of the Right 53.Chief Gump is not part of the Right 53.Chief Gump is not part of the Right 53.Chief Gump is not part of the Right 53.Chief Gump is not part of the Right 53.Chief Gump is not part of the Right 53.Chief Gump is not part of the Right 53.Chief Gump is not part of the Right 53.
  Reply With Quote
Old 04-30-2013, 12:33 PM   #2
Saul Good Saul Good is offline
We Ready
 

Join Date: Jul 2005
Casino cash: $11976
You can do it yourself and charge yourself for the work. You will need to fill out some extra paperwork, but it's no big deal.
__________________
LoCain's a hell of a glove
Posts: 31,461
Saul Good is obviously part of the inner Circle.Saul Good is obviously part of the inner Circle.Saul Good is obviously part of the inner Circle.Saul Good is obviously part of the inner Circle.Saul Good is obviously part of the inner Circle.Saul Good is obviously part of the inner Circle.Saul Good is obviously part of the inner Circle.Saul Good is obviously part of the inner Circle.Saul Good is obviously part of the inner Circle.Saul Good is obviously part of the inner Circle.Saul Good is obviously part of the inner Circle.
  Reply With Quote
Old 04-30-2013, 01:46 PM   #3
cookster50 cookster50 is offline
Supreme Commander of My House
 

Join Date: Apr 2004
Casino cash: $7196
Roofing companies can work with you on that. Maybe not the full 1780 deductible, but atleast of a grand of that can be in the form of a coupon or discount of some sort.
Posts: 3,175
cookster50 has just been standing around suckin' on a big ol' chili dog.cookster50 has just been standing around suckin' on a big ol' chili dog.cookster50 has just been standing around suckin' on a big ol' chili dog.cookster50 has just been standing around suckin' on a big ol' chili dog.cookster50 has just been standing around suckin' on a big ol' chili dog.cookster50 has just been standing around suckin' on a big ol' chili dog.cookster50 has just been standing around suckin' on a big ol' chili dog.cookster50 has just been standing around suckin' on a big ol' chili dog.cookster50 has just been standing around suckin' on a big ol' chili dog.cookster50 has just been standing around suckin' on a big ol' chili dog.cookster50 has just been standing around suckin' on a big ol' chili dog.
  Reply With Quote
Old 04-30-2013, 01:48 PM   #4
DMAC DMAC is offline
Sloppy with your drink?
 
DMAC's Avatar
 

Join Date: Sep 2005
Location: Springfield, MO
Casino cash: $2684
Quote:
Originally Posted by Saul Good View Post
You can do it yourself and charge yourself for the work. You will need to fill out some extra paperwork, but it's no big deal.
This
Posts: 11,127
DMAC 's phone was tapped by Scott Pioli.DMAC 's phone was tapped by Scott Pioli.DMAC 's phone was tapped by Scott Pioli.DMAC 's phone was tapped by Scott Pioli.DMAC 's phone was tapped by Scott Pioli.DMAC 's phone was tapped by Scott Pioli.DMAC 's phone was tapped by Scott Pioli.DMAC 's phone was tapped by Scott Pioli.DMAC 's phone was tapped by Scott Pioli.DMAC 's phone was tapped by Scott Pioli.DMAC 's phone was tapped by Scott Pioli.
  Reply With Quote
Old 04-30-2013, 01:51 PM   #5
theelusiveeightrop theelusiveeightrop is offline
Spiraling down the Drain
 
theelusiveeightrop's Avatar
 

Join Date: Oct 2012
Location: Dante's Ninth Circle
Casino cash: $11395
Gump Roofing. Fill out the extra paperwork.
__________________
"We're both part of the same hypocrisy, Senator, but never think it applies to my family."

2014 Adopt a Chief - Travis Kelce #87
Posts: 20,279
theelusiveeightrop is obviously part of the inner Circle.theelusiveeightrop is obviously part of the inner Circle.theelusiveeightrop is obviously part of the inner Circle.theelusiveeightrop is obviously part of the inner Circle.theelusiveeightrop is obviously part of the inner Circle.theelusiveeightrop is obviously part of the inner Circle.theelusiveeightrop is obviously part of the inner Circle.theelusiveeightrop is obviously part of the inner Circle.theelusiveeightrop is obviously part of the inner Circle.theelusiveeightrop is obviously part of the inner Circle.theelusiveeightrop is obviously part of the inner Circle.
  Reply With Quote
Reply

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is On

Forum Jump




All times are GMT -6. The time now is 08:09 PM.


This is a test for a client's site.
A new website that shows member-created construction site listings that need fill or have excess fill. Dirt Monkey @ https://DirtMonkey.net
Powered by vBulletin® Version 3.8.0
Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.