What the Hail Happened?

[funkymonkey1111]

still have hail on the ground near arapahoe/dayton. roof damage (shake) and paint blasted off with some siding damage.

car took a beating, too.

[Cman]

Safeco is the ins co.

[SamuraiCO]

I was coming home from the mountains on Monday. We got rain, sleet and snow up the road west of Jefferson. Colors were peak but the storms over the weekend knocked off a lot of leaves.

The strom just went through as we were on 470. In the traffic I saw the snow plows and wondered if there was debris and saw 1-2 feet of hail they had removed from 470. My wife's coworkers vehicles got hammered in the tech center. Her's was safely tucked in our garage.

Sorry for those that were effected. If you are military or had/have immediate family military I suggest USAA insurance. My father was military and I have cars, home, guns, etc. Never had a problem with them.....not once with cars with hail damage, struck deer and two different roof replacements.

[sniper7]

Another storm overhead now, wondering what it will bring

[Irving]

Is it possible to buy "stated value" insurance on a car? I don't have any exceptional cars right now, but I have in the past. With airplanes, you tell the insurance company what your plane is worth (stated value) and they either accept it and will sell you the insurance, or they'll say no. If the plane is totaled, they pay stated value without a fuss. I imagine it'd be more expensive with cars, but I'd buy it for the right car.

Anyone?

Yes, but that is usually for classics and customs. I don't believe most carriers (like Safeco/Liberty Mutual) offer those types of policies, but I honestly don't know as I've never had one or sold one.

[DHC]

Safeco is the ins co.

Since you mention Safeco, I have two words for you..... public adjuster.

Let me know if you need a reference to one that has a proven track record of 'dealing' with Safeco.

[Irving]

A public adjuster is a great way to lose money.

[DHC]

A public adjuster is a great way to lose money.

Didn't cost me a dime. Insurance company paid out WAAAYYYYYY more then their original offer.

[Irving]

We're talking property claims right?

[Big E3]

I thought I would post a follow up. Adjusters and appraisers have all come and gone. House gets the two year old roof replaced plus gutters, downspouts, windows, screens, shed roof, barn roof and misc other yard items. The car at $5600 to repair was totaled and the truck at $3500 will be repaired. Now if I didn't have to deal with the $3500 in deductibles it would not be bad.

This brings me to a new issue that was discovered during the process. The 2003 car that I bought from an acquaintance in 2009 turns out to be a salvage. Neither me nor the acquaintance have had "salvage" on the title. According to my insurance company it was totaled in California then sold and the salvage title was processed through South Dakota then on to Colorado with a clean title. Clearly it was not a severely damaged car because since I've had it I have put 102K on it with just tires and breaks. My issue is that they now want to cut the settlement on the car in half because of the salvage title.