Sunday, August 2, 2020

More Imelda

 We're still beating our heads against the Imelda wall.
The latest round is a rejection letter - our second - regarding the replacement of the damaged exterior sheathing.  I just sent the insurance company the following reply:

                                                                                                                                                                8/02/2020

Re: Claim # 193512

Dear Mr. Wilson,

We received your second rejection notice of our claim regarding the exterior sheathing on our home.  This strikes me as unfounded and honestly a little bit petty.

The portions of the claim regarding the interior and contents of our house were paid promptly and we were able to move back in by the first of the year.  Since then, all we have been able to do is wait.

First you wasted our time and your money employing an engineer to generate a report about the structural integrity of the brick veneer, something that was never in contention and never in doubt.  When we pointed that out after your first rejection letter, you asked for an addendum which basically said he had no idea about the sheathing in question because the contractor had already completed repairs to the interior of our home by the time of his inspection and the sheathing was not visible.

When we were told that you wanted to send an engineer it was supposedly to determine the most efficient way to replace the damaged sheathing, something that he never addressed.

None of this should have been necessary. 

Ms. Shanon Stalinski Bergeron, the adjuster you sent out immediately after the flood, is the one who first noticed this damage and pointed it out to us.  Since she is your adjuster, I would think that her word (with or without photographic evidence) should have been sufficient.  To ask us to tear out recently replaced sheetrock to prove there is damage behind it is simply unacceptable.

 

Sincerely,

Robert A. Couch

I doubt that this will get the desired response, but at this point, we don't have much to lose.

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