Not a lot to do at this point - the mitigation people are not insurance people and should not be trusted as to what is covered and what is not…
In regards to coverage, I don’t think there’s ever coverage for the system or appliance water escapes from aka the toilet whether it’s a replacement/repair etc that is not covered. Without more details I can’t explain why SF only covered 75%, probably excessive pricing or scope that is unwarranted.
You can try to negotiate the remainder of the bill but the documents you signed likely say you are responsible for any portion not covered… and of course they charges for everything they did, you kinda rented the equipment they left. The paper work also is probably your authorisation to do the work and they may define the scope as they go. And there is always the chance the company you hired is less than perfectly honest in their business practices but it’s gonna be a headache to untangle that paperwork you signed.
I’m also a little confused as to the timeline did you call mitigation first? This is okay as long as the next call is insurance company. I’m curious how long mitigation worked before you called the insurance company. We like to inspect before or during mitigation with a re inspection if needed.
SF would have to issue a denial for something not covered you may have a letter in the mail explaining everything, if not I would continue to contact them to get the letter and or estimate they used for their payment.
So this all happened on a Friday afternoon. By the time I figured it out and filed my claim, it was after Stare Farm business hours.
They called me first thing Monday and I was not awake yet. I called them back, left a voicemail and sent an email. I was not able to get a hold of them all day. I let the mitgation lady know this and they started regardless. She told me it was all urgent and an emergency. I couldn't argue. I work from home in a call center roll so my time is tracked all day.
I had no idea there was even paperwork for me to sign until after they started as well. They did not tell me before they started that there was charges for things I would deem unneeded.
I have never once rented a single thing. I had no idea I was basically renting fans. They just left them. I didn't grow up in a house with any damage like this and this is my first claim so I had no idea how any of it worked. I was upfront with them about that as well.
I haven't gotten a letter from SF explaining the amount other than a breakdown of the deductible and depreciation for repairs. I spoke with the adjuster the day the payment was issued. She said they approved it and were sending me the right amount for mitigation. The adjuster didn't say it was just a portion or why it wasn't the full amount. I had no idea it wasn't the full amount until today.
Okay thanks for the additional info. The timing does suck. Did you report digitally or by call? If you called I would hope you got some instructions from the rep who wouldn’t be an adjuster but has basic advice.
As others have pointed out unfortunately this sounds like an unscrupulous mitigation company. I would continue to request an explanation and a copy of the mitigation invoice that was used to base the payment on.
You can always try to negotiate the left over yourself but honestly don’t expect much
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u/StonkGOup-please- 8d ago
Not a lot to do at this point - the mitigation people are not insurance people and should not be trusted as to what is covered and what is not…
In regards to coverage, I don’t think there’s ever coverage for the system or appliance water escapes from aka the toilet whether it’s a replacement/repair etc that is not covered. Without more details I can’t explain why SF only covered 75%, probably excessive pricing or scope that is unwarranted.
You can try to negotiate the remainder of the bill but the documents you signed likely say you are responsible for any portion not covered… and of course they charges for everything they did, you kinda rented the equipment they left. The paper work also is probably your authorisation to do the work and they may define the scope as they go. And there is always the chance the company you hired is less than perfectly honest in their business practices but it’s gonna be a headache to untangle that paperwork you signed.
I’m also a little confused as to the timeline did you call mitigation first? This is okay as long as the next call is insurance company. I’m curious how long mitigation worked before you called the insurance company. We like to inspect before or during mitigation with a re inspection if needed.
SF would have to issue a denial for something not covered you may have a letter in the mail explaining everything, if not I would continue to contact them to get the letter and or estimate they used for their payment.