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Re: Re: Re: front porch/yard is toast


Many years ago a man sideswiped me on a busy street, I chased him down to a
light, knocked on his window and told him to pull over.  He was an older man
and when asked his insurance company, replied it was the same as mine.
Damage was about $300.  So my insurance company paid my damages, less my
deductible.  But he didn't have the same insurance company.  My company then
sued his and won and a year later sent me a check for my deductible.

My point, Pam, is that insurance companies don't just take their lumps, they
make an effort to recoup their losses.  However, I do not know how much my
insurance company won in their suit.  All they had to give me was the money
I was out.  Your company will go after this guy if there is anything to get.
You should make sure that you get your fair share of it.
Kitty
neIN, Z5
----- Original Message ----- 
From: <gardenqueen@academicplanet.com>
To: <gardenchat@hort.net>
Sent: Thursday, March 03, 2005 8:55 PM
Subject: Re: Re: Re: [CHAT] front porch/yard is toast


> Thanks Kitty - guess I will have to fight them, much as I loathe
confrontations.
> Bites.
>
> Pam Evans
> Kemp, TX
> zone 8A
> ----- Original Message -----
> From: Kitty
> Sent: 3/3/2005 6:14:15 PM
> To: gardenchat@hort.net
> Subject: Re: Re: [CHAT] front porch/yard is toast
>
> > thanks.  insurance company lowballed me so I'm essentially screwed.  how
>
> nice.
>
>
>
> Not necessarily.  If you can substantiate some of your costs, itemize them
>
> to show what you had in it or what it would cost to replace it, you might
>
> get them to increase it a bit.  When my first Suzuki was totaled, I had
>
> retained my original receipts.  They only wanted to give me 9000 for it,
but
>
> with the receipts showing the customized Alpine stereo and the removable
>
> hardtop, I got them to bump it up to 12000.  They are lowballing it by
>
> giving you what an average yard would be valued at - they are comparing
you
>
> to your neighbors.  Itemize what a wall would cost to replace.  Include
>
> local circulars showing the prices.  List your plants; include catalog
pages
>
> showing the prices.  Get several estimates for all work that needs done.
>
> You should receive an amount that puts your yard back to what it was
without
>
> requiring a lot of back-breaking work on your part.
>
>
>
> Fight back.  It is the insurance estimator's job to provide the estimate
to
>
> you but it is also his job to keep it as low as he can.  He's the guy in
the
>
> middle and he knows he has some wiggle room.  Give him reason to wiggle a
>
> little.  I know you can do that ;+)
>
>
>
> Kitty
>
> >
>
> > Pam Evans
>
> > Kemp, TX
>
> > zone 8A
>
> > ----- Original Message -----
>
> > From: Cornergar@aol.com
>
> > Sent: 3/3/2005 4:40:35 PM
>
> > To: gardenchat@hort.net
>
> > Subject: Re: [CHAT] front porch/yard is toast
>
> >
>
> > Pam, So sorry!! Great advice from Donna re pictures.  I can see a lot of
>
> pain
>
> > and suffering on the horizon. Has Sugar come out from under the bed yet?
>
> I'm
>
> > so sorry you have this to deal with. Even if you come away with an
>
> improved
>
> > porch,etc. the hassle factor is enormous. We're all thinking of you.
Kathy
>
> >
>
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> >
>
> > ---------------------------------------------------------------------
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>
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