When coming, GeorgiaThe owner of the house, Venkat Garikabi, was damaged in the wind in 2021, he made a claim to him Home insurance A company, the state farm, to fix it.
However, State Farm only agreed to replace 38 logical impetigo and the cost is estimated at $ 1,422.15 – less than the $ 2500 GARIKAPATI discount – and the claim was closed without payment, according to Atlanta News first. But Garikaba’s roof, David Garner, an assessment of the insurance company.
“Everything has been torn into pieces,” Garner He said Local broadcaster from Ceiling. “More than 70 logical images were foolish or missing.”
Garner, along with a general officer, spent years in an attempt to prove the state farm that Garikaba’s roof needs a complete alternative to avoid more damage and leakage, according to Atlanta News reports first. State Farm continued to reject the claim before finally approved a complete alternative to the ceiling on April 25, 2024 – after more than three years of the original claim.
“They are never ashamed to collect the monthly installment at all, but to get this approval it took a long time,” said Garikabi.
Garner went forward and did. But after wiping the initial checks “actual cash value”, State FARM refused to pay the cost of the entire replacement, noting a condition in the insurance policy in Garikapati, which provides for reform or replacement that must be completed within two years of the loss date to receive additional payments. As a result, Garner exceeds $ 12,000 – it blames the entire state Farm.
When the contractor works at home and is not paid for that, they may be able to put a concession on the house. However, Garner does not want to do this to Garikapati.
“It is not the mistake of the home owner that this is happening,” Garner said.
Despite the item mentioned at the Insurance Policy at Garikapati, ATLANTA News First reports are linked to the estimated approval of State Farm: “The benefits of the replacement cost will be issued with the completion of the roof replacement and the presentation of images, the submission of images, the completion certificate and the contract agreement signed with the service provider.”
But when Garner presented the papers, he said that the company will not pay.
“What should I do?” Garner asked. “I have already built the roof. I paid the price of the materials. I paid the price of work. Everything is done.”
Garikapati filed a complaint to the Georgia Insurance Office and the fire extinguishing firefighter in January, according to Atlanta First News, but that did not go anywhere.
Garner said: “The whole reason this claim took a long time to agree to it is that rejection, delay, rejection and delay,” Garner said.
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Atlanta News says she initially considered that she looked at the recent complaints submitted to the Commissioner’s office and found that State Farm, the largest insurance company in the state, has 892 complaints in 2024, an increase of 126 % of 2022. I also found that allstate had 770 complaints, an increase of 77 % of 2022, while progressive has 557, by 49 % of 2022.
Garner feels out of options – it is not believed that it would be possible to prosecute the Fatah Farm, which is not interested in the responsibility of Garikapati.
“He was working in good faith, just as I was,” Garner said.
“We believe that we have provided every benefit available to the customer in their policy,” said a STATE FARM spokesman for Atlanta News.
So, what can you do if your home insurance company is short in money or not pay?
First, you should read the conditions of your policy carefully. What happened to the Garikapati above was not exactly his mistake, but it seems that the exact print of his policy and the insurance company has provided. Knowing these details may have prevented the above situation from happening.
One thing you will want to check your policy for exceptions. There are some things that you may not pay for your insurance company, which should be determined in your policy agreement. It is also important to read the conditions for your claim carefully to ensure your success and contractor.
But from there, if you think the insurance company does not pay as it is supposed, you must collect evidence. Document all the work that has been done so that you can show whether it is according to what the insurance company agreed. This means taking pictures and getting a writing from the contractor that shows the work that has been implemented.
The insurance company may have tools for claims and denying payment. Follow those by collecting your documents. If this does not work, you can try to file a complaint to your agency in your state. If this does not work, you may want to request legal guidance.
To be clear, there is a difference between your insurance company that refuses to claim and refuse to pay after approval. There should be no expectations that your insurance company will pay a claim that has been rejected.
Also keep in mind that any contractor you hire may not be an understanding like Garner, and you don’t want to come to you for their money. Therefore, you should do everything in your power to ensure everything above the plate.
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This article only provides information and should not be explained as advice. It is provided without guarantee of any kind.
