Quote:
Originally Posted by jrref
I don't mean to disagree with you and I'm sure there are exceptions but being an engineer on the Villages Lightning Study group, we interview many of these cases and in all cases that we have followed, everyone spoke about a significant effort dealing with the insurance company and at least a year until they were able to go back and live in their home. Definetly a life changing experience. In the case above, they had an unusually difficult time and you have to remember, even if you are able to go through the insurance process quickly, there aren't builders waiting around to quickly start re-building your home.
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No problem with disagreeing on ToTV.
If documentation is completed correctly, stats from NAIC show claims are paid timely.....the issues of delays with funding rests with the policyholders. I assume the information is still out there some where.
No surprise it might take a year to get back in the house. Bids & removal of old house and even concrete. Bids, approvals & construction of new. Contractors are not sitting around and able to start a project at the drop of the hat.
In other insurance threads I'm a preacher of reading policies, and recommend looking at Chubb Insurance. Couple Chubb examples: I had a "smaller" claim for $75k. Did paperwork and had a direct deposit within 72 hours with an email stating, if you need more, you have a surprise, let us know. A neighbor had a complete lightning loss. Before the neighbor completed the paperwork, Chubb sent them a check for $25k for temp living expenses. & then very positive process for the claim itself.
