Quote:
Originally Posted by JoelJohnson
Have American "Integrity" Insurance. My subfloors (particle board) started to get soft and fail. Called my insurance agent and started a claim. Long story short, we were denied. They said it was due to "lack of maintenance". How are we suppose to "maintain" the subfloor?
Ended up having to tear up all the subfloor in the house and put down plywood at our own expense (besides having to rip up 6 year old laminate and having to put down new laminate because the old laminate was no longer available).
I know our options are limited when you own a manufactured home, but I can not recommend American "Integrity" Insurance.
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We were denied on a roof claim by ASI, employed a public claims adjuster and eventually a lawyer to resolve the matter. Bottom line is, we got the new roof and ASI paid the claims adjuster and the lawyer. If they'd approved the claim in the first place, would have saved themselves over 12K in fees.
Sometimes I think they deny first and wind up paying later. BTW, it took almost a year to resolve the process.
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Mark & Linnae
Birmingham, The U.P., Saginaw, Bay City, Toledo, Columbus, Dayton
& The Village of Chatham
"I wish I didn't know now, what I didn't know then"
-Bob Seger-