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Wednesday, October 15, 2008

Homeowners insurance policies have interesting rules...

In 2006 during a hail storm my roof was damaged and my insurance company came out and gave me 1/2 the cost of a new roof.  The Roof would have cost $28,000 and they were willing to give me $14,000.  State Farm issued a check in the amount of $7,000 and said when I put on the new roof they would give me the balance.  We saved for the new roof so that we wouldn't have to take out a loan and we also wanted to put a hail resistant roof on our home.  It took a while to save the money as we wanted to use a product that looked like slate but was much lighter in weight and...It was expensive!  When I contacted State farm for the rest of the money that they owed me they informed me that..."You didn't replace the roof within 2 years of the hail occurance and they will not be sending me any  more money.  In light of the fact that I send to State Farm between 25 and 40 new people needing insurance on their new homes every year and have for 36 years...what do you think I should do? 

I am not happy!



Posted By Cindy Carnahan At 3:27 PM • Comments (0) Trackbacks (0)
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This is The Carnahan Group blog site. Here you will find posts by Cindy Carnahan and her associates on topics ranging from current real estate events, the market, and anything else we feel like discussing! We invite you to join in on our discussion and have some fun!

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