|6/30 7:31 AM|
Kiva, in regard to your problem with your insurance company...most problems occur because of unrealistic expectations of the insureds compounded by crappy claims systems at insurance companies. Many insured's "shop" their insurance looking for a "deal" on insurance to protect their most valuable asset...see the potential problem. Then, the vast majority of insureds have almost no clue as to what they purchased and what is actually covered. Then, to make it worse, most don't know what their responsibilities are before and after a "loss". Put all of this together and you've got real problems.
Profit, despite your protestations, isn't the issue. Insurance companies are legally responsible for not paying claims they do not owe under the insurance contracts they issue. Thus, they require acceptable proof of the loss...the key word being "acceptable". They are not required to agree with you as to what is acceptable and, in many cases where there is a dispute, it is your responsibility to provide the proof of greater loss.
There are independent adjusters that claimants can hire to "prove" that the losses they suffered are "acceptable" under the contract. It is time to get one of these groups working for you.
Note: One of the major responsibilities that many insureds fail to live up to is mitigating damage after a loss...ie. covering a roof to minimize water damage after roof damage. If an insured knows they have roof damage, but fails to cover the damage to limit additional damage, most insurers are going to say the additional damage isn't covered.
Know your rights and your responsibilities.