Well the insurance company just took a weird stance. So I asked him again exactly what he wants to see done to make it so they are satisfied. He assured me that a poured cement face was all they wanted and a picture of it was proof enough. I then asked him if I could get that in writing. His response “you have my word and my word is stone, don’t you trust me?” I said well I would trust you but I don’t trust anyone when it comes to a threatening letter to cancel my insurance. His response “your insurance is already canceled, so thats not an issue, the issue is getting it reinstated by the 22nd.” My response " but I can’t get something in writing saying that if i make the specified repairs that you will reinstate it?" His response " nope you’ll have to take my word for it. Its in the notes on the computer and my word is set in stone here. That will have to be good enough. We are a small company and have operated on a handshake for over 50 years." My response" Well I don’t have a choice so the steps will get fixed no matter what, and i will have to trust you since I have no other option."
Well that made me a bit nervous, so I called the 3rd part agent and asked them if they had heard any of this. She assured me that she had received and email this morning from him stating exactly what I stated so she has it in writing. I asked if that was good enough and she said it should be. She also told me they almost never have issues with this company so likely I am just fine. I do trust my 3rd party agent very much they have been great to me over the last 20+ years and my wife’s parents for longer than that. So I believe I am fine but just weird all the way around. I have had my home owners insurance with these people for 20 years, since I bought the house. I thought I had a previous claim with them but they said this is the first time in 20 years I have filed a claim against my homeowners. I guess thats why they are keeping me. But my agent said it will be nearly impossible for me to get reasonably priced insurance from another company with an open claim against me. Doesn’t matter if the repairs are made or not. They just don’t do it without paying through the nose.
Very frustrating situation to be in all over a stupid brick and my being stupid in not fixing the brick in the first place. Oh well thanks for letting me vent again. i will get my concrete poured and take my pictures and then get back to building my RR.
Edited to say don’t get me wrong I am not bad mouthing my insurance company. So far they have been awesome in working with me when they don’t have to. I am very pleased with the overall treatment I am receiving, just kinda weird how we are going about it. The fact that code isn’t good enough and he won’t give me anything in writing. I find that strange. But what I find strange doesn’t matter. Keeping my insurance is what matters.
