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Tree Damage
Will join the others glad no more serious that it was. It would seem the boat policy would be primary as it is only on the boat. Don't just trust they are correct there. Even the best make mistakes. Then have known of adjustors who just were not honest.
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Tree Damage
Having thought on this more, talk with your agent. If separate agents talk with both. If not pleased then call your State Department of Insurance.
Now why the $1500 limit on your boat? Was that an agreed to value or limit in your policy? Or did their policy not give a limit but that is the book value of the boat? Crunch not a boat insurance pro but the cover probably is not the same coverage as the boat itself, it probably is under accessories or such. As such could it be considered personal property under your HO policy?
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Tree Damage
Don't forget the information you are getting on your insurance does vary some from State to State but there is a basic standard Homeowners policy which is the base used in most states. In SC the tree probably would have no coverage on it had it not done damage. As to adjuster obligating the company. if they are that company's own it sure would be hard for them to admit their adjuster was not qualified and if one they contract with think it would be about as hard to.
If you go to their web site where JD Powers rated them there are a lot of comments. As you would expect know those unhappy will make the effort to post when those pleased have little reason to.
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Tree Damage
Crunch, in today's world my guess is the adjuster info was to the company within a few minutes of their leaving you.
It does amaze me how much claims service can vary between companies. About 20 years ago we had a wind or very mild tornado that damaged our house as one of the first two hit. A friend of mine was one of the last about 5 miles or so away. The adjuster told my wife we did not have enough damage to meet our $500 or $1,000 deductible and about a month later had to write us a check for over $10,000. The biggest damage to my friends was it blew in three garage doors and blew out the back wall. The adjuster wanted them to reused the materials from the old back wall. Contractor told him sure we can save some on materials but do you have any idea how much that salvage labor will be?
About 3 years later my friends house (which we had insured then) suffered damaged to the roof by a hurricane. Now realize such major events brings in "get the claims handled" attitude but when my friend called the company and spoke to the adjuster he was asked and how much will it cost to repair it? Shocked him, they took one contractor price and mailed the check and never saw the damage that he was aware of. He was the best ad you could ever have. But the second company told it's agents which shocked me, an insured contacts you with a claim on their house for such damage as yours, write them a check if they dollar amount they ask for seems reasonable. Two reasons, the claim can only get larger the more it is argued (what happened with our house) and quick payment builds customers.
Then the same company who handled my friends claim so quickly gave a person I knew who had bought with a different agency pure havoc. He was a young adjuster and let it be known he was going to save the company money on that claim. Sad part was his agent did not care. I furnished him with the company's own documents that proved the adjuster was totally wrong. Of all your insurance polcies the one you do want stored away from your home is the coverage on it, at least a full copy of it.
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