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Tree Damage
This week a gust of wind knocked over a giant poplar (see my pics) which crushed my golf cart, porch swing, composter and knocked the window out of my boat. No big deal except you need a PhD in insurance policies to collect.
1-$1500 limit on boat. Destroyed cover alone is $1,086
2-Tree removal estimate must be in 2 parts, a) lifting the trees off the damaged property, b)removal of trees from property. Total cannot exceed $1,000. Removal of trees from property cannot exceed $500.
3-Finding a replacement window for boat. Dealers don't want to be bothered, I have a call into Regal factory to see if they have a 1999 window hanging around. Otherwise I must get a quote to rebuild window and then get a dealer to give labor estimate.
4-$1000 deductible. It turns out I have 2 insurance policies - Amica homeowners and Boat US for boat. They both cover the boat. But because I called Amica first, Boat US will not cover anything unless I don't get fully reimbursed from Amica. And they both have $1,000 deductible so I can't get Boat US to pay the Amica deductible.
Soooo, who knows. I will probably end up with a loss on this even though I pay a lot of $ for all the best insurance options. And Amica is one of the highest rated companies in consumer reports. Buut, after I get this cleaned up I may be in the market for another golf cart, Kawasaki mule, or JD gator. We will see. The wife really misses her golf cart
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Tree Damage
Thanks for the comments! Really, I am not fretting over this. I am happy to have an excuse to buy another toy! I am just amazed at how complicated the rules can get. I wonder why they don't put this in the language of a homeowner rather than an insurance agent.
We ARE lucky. No one was hurt. I normally park my cars where the trees fell. I moved them because of the berries that a tree was dropping all over my car. I now have a tree estimate. I just gotta find a way to quantify the boat windshield now. I will buy my wife (and me) something nice to replace the golf cart even if I don't break even with the repairs.
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Tree Damage
So I bought a mule 610 cx. The wife is having a ball. Great little machine! Regarding highly rated Amica insurance, they sent an adjuster out who was very decent to me and sent me papers to sign with decent figures for my claim. I was just getting ready to sign the papers.
Then Amica calls and says "Congratulations, we are going to offer you X amount with no depreciation". But the amount is $1,000 less than the papers sent to me by their adjuster. Unbelievable!! So I tell them that the adjuster offered me more and they decided to call the adjuster they sent to me so they can get their act together on the numbers.
I am waiting to hear back from them. I would think they have to give me what was offered by the adjuster at this point. But who knows - what a goat rodeo!!
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Tree Damage
Thanks KT and Auer, interesting that although the insurance company can send an adjuster out they don't even wait for his assessment. Interesting that they are not obligated to the adjuster.
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