RE: front porch/yard is toast

And what rips me is the 'replacement' insurance stuff... yeah, they will
replace it, but !!!!!!! they only give you what it was worth at the time of
the claim... so if something is 10years old, they only give you a small
fraction of the money... and after you 'pay out of your pocket' to replace
it, will give you the difference back. Which in a robbery here meant a lot
of out of pocket money till the replacement check appeared. Thankfully I
could afford to do this, not all can...

I don't think that applied to structural damage if I recall... I had the
door replacement guy and the insurance adjuster here at the same time, so
they haggled out the pricing, the adjustor wrote the check to me and I
signed it over to the repair person after he replaced the door...

Who loves hearing that phrase.... same like quality and value replacement if
it can't be repaired - thing those insurance agents quote you.
Donna

> -----Original Message-----
> From: owner-gardenchat@hort.net [o*@hort.net] On
> Behalf Of Chris@widom-assoc.com
> Sent: Saturday, February 26, 2005 3:12 PM
> To: gardenchat@hort.net
> Subject: RE: [CHAT] front porch/yard is toast
> 
> Pam,
> 
> So sorry!  Is there a silver lining to any of this?  Like did the porch
> need
> a facelift?  Maybe the insurance will cover it.  When we had the fire, we
> found out that different people get different levels of coverage from
> their
> insurance for the same damage.  If you talk to a lawyer you might get this
> type of information.  We didn't.  We never put in for things that we put
> many hours of labor into .  Keep track of the time you spend doing things
> yourself- even the time to get the 4 X 4's and putting them up. And keep
> all
> receipts.  Make a list of all the plants you lost and approximate costs to
> replace and replant.  Just document everything!
> 
> Good luck to you!
> 
> Chris
> Long Island, NY
> Zone 7a (Average min temp 50 - 00)
> 
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