I got a quote on my homeowners insurance from Amica that was almost double
what Geigo is charging me. And I am zero risk/no accidents/no teenage
drivers.
On Sun, Sep 12, 2021 at 7:24 PM Kaleb Striplin via Mercedes <
mercedes@okiebenz.com> wrote:
> First an update with the roof claims. For the primary house the roofer
> says wind damage. Have a couple of spots of missing shingles on the top
> of the roof peak. Roofer showed me several areas where shingles are
> loose and could blow off. Tried to get USAA to cover a roof replacement
> but their claim amount goes in at $600 for repair, well under
> deductible. May or may not try to fight them on that but not sure it
> will go anywhere. Will just wait till a good hail storm comes along.
>
> On the rental, USAA is paying for a roof replacement, sort of. Their
> estimate is coming in at around $14.2k for complete replacement. I sent
> this to roofer because to me is seems light. The deductible is $2k and
> apparently the roof is covered ACV rather than replacement value so they
> are depreciating it around $3k. They then have a $300 recoverable
> depreciation amount that can be paid after repair is done. They sent a
> check for around $9400, with basically me paying the rest out of pocket,
> so will have to come up with around $5k. Will have the wife contact
> roofer to see what we need to do to get their number up. In the mean
> time, since they were just paying a depreciated amount, I debated on
> just banking this money since we will most likely be selling the house
> in the next year or 2 anyway, and if buyer wants new roof, negotiating
> it into the deal. Problem is, check is issued to us as well as mortgage
> company. I am not 100% sure how all that works but it appears as if I
> am going to have to basically sign the check over to them then somehow
> pay the roofer, or somehow get them to sign the check so I can deposit
> it then pay the roofer. Long story short, since its also made out to
> them, it looks like that pretty much forces the repairs to have to be
> completed now, rather than waiting. This could be somewhat of a problem
> as our mortgage company on that house is a total and complete pain in
> the ass to deal with, absolutely horrible. I about guarantee I will
> send them the check, or have to send them some paperwork and it will get
> lost and it will take months and months to get anything done.
>
> Other part of the story, when talking to roofer about the possibility of
> them paying on ACV instead of replacement cost, he says he can help us
> haggle on the "insurance" quote for replacement, then when it comes
> time to do the work since they are not paying the whole deal anyway, he
> will give us the cash price he would charge without insurance involved
> which should hopefully offset some of the depreciation portion of it.
> On a normal deal, there is an inflated amount they would bill insurance
> and all we pay is the deductible.
>
> Now on to insurance quotes. Right now USAA is charging me $902/6 months
> for 4 cars, only 1 has full coverage. Progressive is quoting $416/6
> months for full coverage on all 4 cars. I quoted full coverage on all
> cars at USAA ant it was over $2k for 6 months. Primary house it is right
> at around $2k per year cheaper. This are not small differences which is
> one reason why I am not sure if this is too good to be true. I have not
> even shopped the rental house yet.
>
> I am not really sure if I do decide to switch, I do it while these
> claims are still going on. I was going to potentially try the
> progressive route now on the primary and cars while the rental claim is
> still going on, then move rental later. Perhaps I should just wait till
> the whole deal is done.
>
>
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