What the Hail Happened?

[TheGrey]

Generally, the original agent retains ownership of the policy. The new agent just does all the work. Thats why she probably told you no.

I'm going to be looking at different insurance companies after this..

Our policy deductible was $1000 for damage. I was just told by the claims adjuster on the phone that it is now 1% of our home. That's over 100% increase! Apparently they snuck that change in sometime between 2012 and 2013. How can they do that without us having to sign anything?

[tim-adams]

both vehicles took it, we got hammered by this storm over 4k to one and about 3k to the other... with my 1k deductible pre car that makes me unhappy..

at least it did not shatter my windows/

[TheGrey]

That's awful, tim-adams. Thank goodness you didn't lose any windows. I was speaking with someone that lived in the DC and got hit- every one of this $600 windows was shattered.

[Irving]

I'm going to be looking at different insurance companies after this..

Our policy deductible was $1000 for damage. I was just told by the claims adjuster on the phone that it is now 1% of our home. That's over 100% increase! Apparently they snuck that change in sometime between 2012 and 2013. How can they do that without us having to sign anything?

They told you at renewal probably. There will be an endorsement to your policy. Now you know one more thing to ask about when shopping around. Do you know if just the wind and hail deductible is 1% or the general policy deductible? I had a lady with a 2% deductible the other day.

[jerrymrc]

They told you at renewal probably. There will be an endorsement to your policy. Now you know one more thing to ask about when shopping around. Do you know if just the wind and hail deductible is 1% or the general policy deductible? I had a lady with a 2% deductible the other day.

Yep. A few years ago my ins company put in the renewal notice a "Actual cash value at time of loss" for wind and hail damage. I put the claim in a week later.

[TheGrey]

They told you at renewal probably. There will be an endorsement to your policy. Now you know one more thing to ask about when shopping around. Do you know if just the wind and hail deductible is 1% or the general policy deductible? I had a lady with a 2% deductible the other day.

This is biting me on the butt now...I don't recall seeing it, but I also didn't scrutinize the papers that they send. Dammit, dammit dammit.
I'll look in my papers.

Guys, learn from my mistake and look at your policies!

[rbeau30]

Just noticed my garage doors and window inserts for the garage are peppered.


:-(

[spyder]

You all hate pictures don't you....

[Irving]

Here is what golf ball or larger hail looks like. The ridge generally gets it worse because due to the bend in the shingle, there are unsupported areas; at least compared to a shingle laying right on the decking.

[Big E3]

Looks like Stuving was on my roof with a camera.

Deductibles suck, and that 1% part sucks more. That's one of the reasons why I changed insurance companies after my last hail claim 2 years ago. They added the part that roofs would not have any value after 16 years, and my roof when they covered it last time was 16 years old. I would have had to eat the entire $11K for that roof, so look at that section very carefully. And 1% seriously who wants a $3K deductible?